Table of Contents
Life Highlights ....................................................................................................................................................................... 4 Eligible Group(s)...............................................................................................................................................................4 Paying for Coverage.........................................................................................................................................................4 Coverage Amounts...........................................................................................................................................................4 Coverage Reductions Due to an Insured's Age...............................................................................................................5 Life Benefit Amount .........................................................................................................................................................5 Certificate Riders .............................................................................................................................................................5 Life Details ............................................................................................................................................................................. 6 Death Benefit....................................................................................................................................................................6 Accelerated Death Benefit................................................................................................................................................6 Life Details | Exclusions and Limitations ........................................................................................................................... 8 Life Details | Other Features ................................................................................................................................................ 9 Accidental Death and Dismemberment Highlights ......................................................................................................... 11 Eligible Group(s).............................................................................................................................................................11 Paying for Coverage.......................................................................................................................................................11 Coverage Amounts.........................................................................................................................................................11 Coverage Reductions Due to an Insured's Age.............................................................................................................12 Accidental Death and Dismemberment (AD&D) Benefit Amount ..................................................................................12 Certificate Riders ...........................................................................................................................................................12 Accidental Death and Dismemberment Schedule of Benefits........................................................................................13 Additional Benefits under Accidental Death and Dismemberment.................................................................................13 Accidental Death and Dismemberment Details ............................................................................................................... 14 Accidental Death and Dismemberment Benefits............................................................................................................14 Additional Benefits under Accidental Death and Dismemberment.................................................................................15 Accidental Death and Dismemberment Details | Exclusions and Limitations .............................................................. 19 Continuity of Coverage ...................................................................................................................................................... 20 Waiver of Premium ............................................................................................................................................................. 22 Start of Coverage ................................................................................................................................................................ 25 End of Coverage ................................................................................................................................................................. 29
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 2
Unum Life Insurance Company of America
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