Accidental Death and Dismemberment Highlights
Coverage Reductions Due to an Insured's Age
Applies to Basic Coverage Only Your AD&D insurance coverage will reduce as follows: - on the Policy Anniversary following the date you reach age 70, your AD&D insurance coverage will reduce to 65%; - on the Policy Anniversary following the date you reach age 75, your AD&D insurance coverage will reduce to 50%. There will be no further age reductions as of the Policy Anniversary following your 75th birthday. If you are subject to any AD&D insurance coverage reductions due to your age when you apply or become eligible for AD&D insurance coverage, your coverage will immediately reduce on the Coverage Effective Date according to the percentages shown above. Any AD&D insurance coverage with a Coverage Effective Date after coverage reductions begin will be immediately reduced according to the attained ages noted in this provision. Once your first reduction has occurred, you may not increase your AD&D insurance coverage. Your AD&D insurance coverage can reduce below the minimum benefit specified in this certificate. Applies to Additional Coverage Only Your AD&D insurance coverage will reduce as follows: - on the Policy Anniversary following the date you reach age 70, your AD&D insurance coverage will reduce to 65%; - on the Policy Anniversary following the date you reach age 75, your AD&D insurance coverage will reduce to 50%. Your Spouse`s AD&D insurance coverage will reduce as follows: - on the Policy Anniversary following the date your Spouse reaches age 70, your Spouse`s AD&D insurance coverage will reduce to 65%; - on the Policy Anniversary following the date your Spouse reaches age 75, your Spouse's AD&D insurance coverage will reduce to 50%. There will be no further age reductions as of the Policy Anniversary following your or your Spouse`s 75th birthday. If you or your Spouse are subject to any AD&D insurance coverage reductions due to your or your Spouse's age when you or your Spouse apply or become eligible for AD&D insurance coverage, your or your Spouse's coverage will immediately reduce on the Coverage Effective Date according to the percentages shown above. Any AD&D insurance coverage with a Coverage Effective Date after coverage reductions begin will be immediately reduced according to the attained ages noted in this provision. Once your or your Spouse's first reduction has occurred, you may not increase your or your Spouse's AD&D insurance coverage. Your AD&D insurance coverage can reduce below the minimum benefit specified in this certificate. The AD&D Benefit Amount is the total amount of accidental death and dismemberment insurance coverage for which an Insured is covered under the policy subject to all the provisions of this certificate.
Accidental Death and Dismemberment (AD&D) Benefit Amount
Certificate Riders
The following riders are attached to this certificate. Portability of Life and Accidental Death and Dismemberment Insurance
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 12
Unum Life Insurance Company of America
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