Life Details
The information in this section provides details about the benefits that may be payable, any applicable Exclusions and Limitations, and Other Features included in an Insured's coverage. Benefits will only be payable for an Insured's death that occurs on or after the Insured's Coverage Effective Date. Death Benefit We will pay an Insured's Life Benefit Amount, in accordance with the provisions of this certificate, if an Insured dies. Accelerated Death Benefit This benefit provides an advance payment of an Insured's Death Benefit if the Insured becomes Terminally Ill or has a Terminal Illness. For purposes of this benefit, Terminally Ill or Terminal Illness is a medical condition: - from which an Insured is not expected to recover; and - which is expected to result in the Insured's death within 12 months.
Benefits received under this Accelerated Death Benefit may be taxable. You should seek assistance from a personal tax advisor prior to requesting an accelerated payment of death benefits. Accelerated Death Benefit Limitations No Accelerated Death Benefit will be paid: - if any required premium is due and unpaid; - if the Insured is not Terminally Ill at the time you apply for the Accelerated Death Benefit for an Insured; - without the Written consent of the assignee if you have assigned your rights under this certificate; - without the Written consent of the beneficiary if you have named an irrevocable beneficiary; - if a government agency requires you to use this benefit to apply for, obtain, or otherwise keep a government benefit or entitlement; - if you are required by law to use this benefit to meet the claims of creditors, whether in bankruptcy or otherwise. Accelerated Death Benefit Amount The amount you may receive is up to 50% of the Insured's Life Benefit Amount. The maximum amount is the lesser of: - the maximum benefit available under this certificate; or - $750,000. If an Insured's life insurance coverage is scheduled to reduce within 12 months of the date application for this benefit is received by us, the amount of life insurance coverage that can be accelerated will be limited to the amount that would be available after such reduction takes place. Payment of an Accelerated Death Benefit The Accelerated Death Benefit will be payable one time in a lump sum to you, after we receive proof of an Insured's Terminal Illness and benefit eligibility. If you have assigned your rights under this certificate to an assignee or made an irrevocable beneficiary designation before benefits are payable, we must receive Written consent on a form acceptable to us that the assignee or irrevocable beneficiary has agreed to the accelerated benefit payment on your behalf. If an Insured dies before we issue an Accelerated Death Benefit payment, no Accelerated Death Benefit will be paid. Instead, we will pay the Death Benefit in accordance with the provisions of this certificate. Effect of the Accelerated Death Benefit payment on other benefit provisions An Insured's Death Benefit will be reduced by any amount paid under the Accelerated
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 6
Unum Life Insurance Company of America
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