Life Details | Other Features
less the amount of any life insurance coverage that the Insured is or becomes eligible for under the same or any other group policy during the Conversion Application Period. You may convert a lower amount of life insurance coverage for an Insured. Conversion is not available for any amount of life insurance for which an Insured was not eligible for or covered for under this certificate. Conversion is also not available for coverage which is being continued: - in accordance with the Waiver of Premium section of this certificate; - under the Portability Rider; or - in accordance with the continuation provisions found in the End of Coverage section of this certificate until such coverage ends. Coverage available for Conversion does not include the following services and benefits included in or with your certificate: - Accelerated Death Benefits; - Accidental Death and Dismemberment Benefits; - Additional Services, including but not limited to, Employee Assistance Programs, Travel Assist, and Life Planning Financial and Legal Resources; or - Waiver of Premium. If you convert to an individual life policy, then return to work, and, again, become covered under this certificate, you are not eligible to convert to an individual life policy again. However, you do not need to surrender your individual life policy when you return to work. Limits on Right to Convert If your Insurance ends because of cancellation or changes to the policy, the following will apply: You may convert a limited amount of life insurance coverage for an Insured, if the Insured has been covered under the Employer's group policy with us for at least five (5) years. The maximum amount you have the right to convert is the lesser of: - $10,000; or - the Insured's life insurance coverage under this certificate less any amounts that become available under any other group life policy offered by the Employer within 31 days after the date the policy is cancelled. Death During the Conversion Application Period If an Insured dies during the Conversion Application Period, we will pay a benefit equal to the maximum amount the Insured was entitled to convert under the terms of this certificate. If application and Premium payment has been made for an individual life conversion policy, any Premiums paid for the individual life conversion policy will be refunded. In no event will we be liable to pay a death benefit under both the group policy and the individual life conversion policy. Premiums for Converted Insurance Premiums for the converted life insurance coverage will be based on: - the Insured's then attained age on the effective date of the individual life policy; - the type and amount of insurance to be converted; - our customary rates in use at that time; and - the class of risk to which the Insured belongs. If premium payment has been made, the individual life policy will be effective at the end of the Conversion Application Period.
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 10
Unum Life Insurance Company of America
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