Cultural Group Benefits offers a quality group term life insurance plan for the benefit of your Cultural Association members. We know your community has many goals and that the financial security of your families is right at the top of the list. The Cultural Group Life Insurance Plan has been created for cultural associations and is now available to help meet the goals of your community.
Act now upon this initial offer, you cannot be turned down for coverage, no matter what your health status. (Cancer, heart disease, weight concerns, high blood pressure, diabetes, accidents — all covered — ) and the list goes on. Again, guaranteed issue is only offered to members who enroll.
All active Cultural Group Members and their dependent children who reside in the United States and have a Social Security Number are eligible to enroll for coverage. Members who are residents of Minnesota must be under the age of 82.
Once your enrollment form has been submitted, your coverage becomes effective on the Policy Issue Date of your cultural association. If a current member does not enroll during the guaranteed issue time frame, they may apply through Simplified Issue on the policy anniversary date.
The following Guaranteed Issue coverage amounts are available:
* Rates and/or benefits may change on a class basis. At age 65, your benefit amount will reduce to 50% of the basic amount of life insurance. At age 70, your benefit amount will reduce to 10% of the basic amount of life insurance.
If the death of a member occurs in the first year of a member’s insurance coverage, the Life insurance benefit amount will reduce as follows:
On the premium due date or the next following premium due date you: 1) attain age 65, your life insurance benefit amount will reduce to 50% of the basic amount of life insurance; and 2) attain age 70, your life insurance benefit amount will reduce to 10% of the basic amount of life insurance amount with an appropriate adjustment in premium.
If you participate in your group’s insurance plan, you have the option of purchasing insurance for your dependent children. All your children may be covered.
The Children’s Benefit covers unmarried, dependent children who are U.S. residents, possess a Social Security Number, and who are at least 15 days old, but not yet age 21; and under age 23 if a full-time student at an accredited institution of learning. Coverage for dependent children cannot be duplicated if both parents are covered under the policy as insured persons.
In Texas only, dependent coverage begins at birth, but not yet age 25, as opposed to 15 days.
As long as you remain an active member, pay your premiums when due, and the Master Policy remains in force, your coverage cannot be terminated.
Coverage for Your Dependent Child(ren) ends on the earliest to occur of: 1) the date The Policy terminates: or 2) the Premium Due Date on or next following the date: a) with respect to Your Dependent Child, he or she no longer meets the definition of Dependent Child: b) the required premium is not paid, subject to the Individual Grace Period provision; or 3) the date Your coverage ends. However, if Dependent Child coverage would terminate because of Your death, coverage will continue until the Premium Due Date on or next following Your death.
Suicide: If You or Your Dependent commits suicide while sane or insane:
The full Life Insurance benefit amount for the deceased person is payable if he or she is covered under The Policy and commits suicide after the two year period. The two year period includes the time coverage was in force under a Prior Policy.
Click Here to Download Our Group Plan Life Insurance Plan Brochure
Receive a Quote
Give your members the opportunity to decide for themselves if this benefit will be right for your community.
Please complete the information requested on the census form to receive a quote.
Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155.
Life Form Series includes GBD-1000, GBD-1100, or state equivalent.
Not available in all states.
The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.
Cultural Group Benefits
6701 Upper Afton Road
St. Paul, MN 55125