Eligibility

All active and associate* members under age 60, of participating National Guard Associations members of the National Guard Associations are eligible to apply for coverage. You may also apply for life insurance for all eligible dependents. Eligible dependents include your lawful spouse under age 60 and unmarried, dependent children from 15 days through age 25. A dependent who is a member can only apply for coverage as a member. If both parents are insured as members, only one may request child coverage. If you are a member of a participating National Guard you are automatically covered for $1,000 of term life insurance, effective as of the date of your enlistment. The premium for this $1,000 Basic Benefit will be paid by your National Guard Association and this Basic Benefit will continue until you separate from active service in the National Guard or otherwise become ineligible.

*Associate members include retired or separated guard members.

The following are the current¹ monthly premiums for amounts of coverage per insured member or per insured spouse. Spouse coverage may not exceed member's coverage.

Insure Your Child(ren)

Surviving Spouse Coverage

Upon the death of an insured member a surviving spouse can continue his/her coverage and the coverage of insured dependent children provided premiums are paid in a timely manner and the insureds remain otherwise eligible.

When Coverage Ends

The $1,000 Basic Benefit member coverage terminates at the end of the month when the member discontinues active service in the National Guard. However, coverage other than the $1,000 Basic Benefit can be continued after leaving active service if he/she elects to remain an inactive member of the Association. Spouse and dependent coverage terminates when member coverage terminates, except in the case of the member's death (see Surviving Spouse Section), when the spouse attains age 100 (age 26 for children) or otherwise become ineligible under the group policy. Member and dependent insurance will also terminate if premiums are not paid when due, the last day of the month in which the member attains age 100, your Association no longer participates under the trust; or the group policy is terminated by the group policyholder or New York Life.

30 Day Free Look

This brochure contains only a partial description of the provisions of the insurance coverage. Once approved, you will receive a Certificate of Insurance provided under Group Policy G-14109-7 on Policy Form GMR, issued by New York Life Insurance Company to the Militia Insurance Trust. When you receive your certificate, examine it carefully. If you are not completely satisfied, simply return your certificate, without claim, within 30 days for a full refund.

$10,000 Guaranteed Issue Coverage to New Active Guard Members

If you apply within 180 days after joining the National Guard, you may request $10,000 of coverage at no cost to you for the first year (paid for by your National Guard Association), without submitting evidence of insurability. If you do not apply within the 180 day period after joining the National Guard, you may still apply by submitting evidence of insurability satisfactory to the Company and paying the required premium. This benefit will become effective on the first of the month following the Administrator's receipt of your enrollment application.

Waiver of Premium

After an insured member has been totally disabled prior to age 60 for six consecutive months, insurance including coverage for eligible dependents will be continued at no cost to the member until age 70, provided the member remains totally disabled. Evidence from time to time of continued disability will be required.

Accelerated Death Benefit

This feature allows you to receive 50% of your death benefit (amount of coverage)should you be diagnosed with a terminal illness. To receive the accelerated death benefit, you must be under age 69, have been diagnosed by a physician, and given a life expectancy of 12 months* or less. This benefit is paid only once and the future death benefit payment is reduced by such amount. Premiums are not reduced. The rest of your benefit would be paid to your beneficiaries at the time of your death. Receipt of accelerated death benefits may affect eligibility for public assistance programs and may be taxable. Prior to applying for accelerated death benefits, insureds should consult with the appropriate social services agency and assistance should be sought by a qualified advisor.

*24 months for residents of Illinois.

Effective Date

All coverage amounts (except for the $1,000 Basic Benefit) will take effect on the first of the month on or following New York Life's underwriting approval of your application, provided your premium is received when due. All individuals to be insured must be performing normal activities of person in good health of like age on their effective date. If an individual is not performing their normal activities on the date of their coverage would normally take effect, coverage for that individual will be deferred until that person is performing the normal activities of a person in good health of like age, so long as that date is within 3 months of the date their coverage would have normally become effective and that person is still eligible.

Eligibility Reminder

To continue coverage, insureds must continue to be eligible for coverage under the terms of the group certificate. Please advise us of any changes that affect your eligibility for coverage.

Address Change Reminder

Policy owners should update addresses for themselves, insureds, dependents and beneficiaries if there have been any changes.