Disclosures, Disclaimers, Terms and Exclusions

Group Term Life Insurance

Group Term Life Insurance is issued on Form Series GLMP-3002/GLC3002 by Guarantee Trust Life (GTL), Glenview, IL. The policy is issued to National Consumers Benefits Association (NCBA) and contains the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL’s right to increase premium rates. For complete details of coverage, please contact us.

Cancellation/Termination of Benefits/Renewability: Coverage terminates when NCBA terminates the policy, your membership ceases, insurance ceases for your class, for nonpayment of premium by NCBA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for nonpayment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation or a material fact; failure of NCBA to provide required information; or at GTL’s option with 30 days notice. Notice of termination provided to NCBA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.

The following rates apply for coverage underwritten by Guarantee Trust Life Insurance Company as part of your membership in the National Consumers Benefits Association. The rates by plan are: $10,000 Group Term Life = $6.00 (all ages), $5,000 Group Term Life = $3.00 (all ages), $2,500 Group Term Life: Individual = $1.50 (all ages) per month.

GTL does not provide nor is affiliated with the discount programs provided as a part of membership in NCBA.

Suicide Exclusion

If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, the insurance company will be liable only for an amount equal to the Premium paid.

Accidental Death Benefit and Exclusions

The Accidental Death Benefit is paid directly to your beneficiary in a lump sum amount if you experience a covered loss resulting from an accidental injury, if the injury causes death within 90 days from the date of the accident. This benefit is subject to all the terms, conditions, and exclusions of this Certificate.
Exclusions: No benefits are payable for any loss caused by:

• Suicide or intentionally self-inflicted Injury while sane or insane.
• War or any act of war, declared or undeclared.
• Travel, or flight in or descent from any kind of aircraft unless as a fare paying passenger on a regularly scheduled flight.
• As a passenger on an official flight of the Military Airlift Command of the United States or similar air transport services of other countries.
• Infections, except infections which occur simultaneously with or through a cut or wound sustained as the direct result of an Injury, independent of any other cause; and
• The non-accidental ingestion of a contaminated substance.
• Intoxication as defined in the jurisdiction where the accident occurred.
• Being under the influence of any drug unless administered and taken as prescribed by a Doctor.
• Participation in an attempt to commit an assault or felony, or participation in a riot.
• Voluntary gas inhalation or poison voluntarily taken, administered or inhaled.
• Riding or driving as a professional in any kind of race for prize money or profit.

Group Accident Only Insurance

The Group Accident Only Insurance is issued on Policy form series MP-1400/GC-1400, Certificate form series MP-1300/GC-1400 by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The policy is issued to National Consumers Benefits Association (NCBA) and includes the following: exclusions, limitations, reductions of benefits, and termination. Subject to state availability, variability, and GTL’s right to increase premium rates.

Cancellation/Termination of Benefits/Renewability: Coverage terminates when NCBA terminates the policy, your membership ceases, insurance ceases for your class, for nonpayment of premium by NCBA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of NCBA to provide required information; or at GTL’s option with 30 days notice. Notice of termination provided to NCBA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.

GTL does not provide nor is affiliated with the discount programs provided as a part of membership in NCBA.

The following rates apply for coverage underwritten by Guarantee Trust Life Insurance Company as part of your membership in the National Consumers Benefits Association. The rates by plan are: $10,000 Group Accident Medical Expense/$100,000 AD&D = $19.41; $5,000 Group Accident Medical Expense/$50,000 AD&D = $11.12; $2,500 Group Accident Medical Expense/$25,000 AD&D = $6.50 per month.

Group Accident Only Insurance Exclusions:

The Policy does not provide benefits for:

• Treatment, services or supplies which:
  • Are not Medically Necessary;
  • Are not prescribed by a Doctor as necessary to treat an injury;
  • Are determined to be Experimental/Investigational in nature;
  • Are received without charge or legal obligation to pay;
  • Are received from persons employed or retained by any Family Member, unless otherwise specified; or
  • Are not specifically listed as Covered Charges in the Policy.
• Injury by acts of war, whether declared or not.
• Injury received while traveling or flying by air, except as a fare-paying passenger and not as a pilot or crew member, on a regularly scheduled commercial airline.
• Injury covered by Worker’s Compensation, Employer Liability law or Occupational Disease Act or Law.
• Dental treatment, except as specifically stated.
• Injury sustained while committing or attempting to commit a felony.
• Prescription Drugs except as specifically stated.
• Suicide or attempted suicide while sane or insane.
• Intentionally self-inflicted Injury.
• Loss resulting from being legally intoxicated or under the influence of alcohol as defined by the laws of the state or jurisdiction in which the Injury occurs.
• Loss resulting from being under the influence of any drugs or narcotics unless administered on the advice of a Doctor.
• Injury sustained while participating in or practicing for any professional, intercollegiate or sports activity, except as specifically provided.
• Injury which occurs while a Covered Person is on active duty service in any armed forces. Reserve or National Guard active duty for training is not excluded unless it extends beyond 31 days.
• Injury sustained flying in an ultra-light, hang gliding, parachuting or bungee-cord jumping, by flight in a space craft or any craft designed for navigation above or beyond the earth’s atmosphere.
• Injury sustained while driving or riding on vehicles for off-road use including but not limited to all-terrain vehicles (ATV’s).
• Injury sustained where a Covered Person is the operator and does not possess a current and valid motor vehicle operator’s license, except in a Driver’s Education Program.
• Treatment in any Veteran’s Administration or federal Hospital, except if there is a legal obligation to pay.
• Cosmetic surgery, except for reconstructive surgery on an injured part of the body.
• Covered Charges incurred outside of the United States or its possessions.
• Competing in motor sports races or competitions;
• Competing in water sports races or competitions;
• Testing cars/trucks on any racetrack or speedway;
• Handling, storing or transporting explosives;
• Scaling up cliffs or mountain walls;
• Spelunking (exploring caves);
• Handling or working with dangerous animals.
• Injury sustained while water skiing or surfboarding;
• Injury sustained while snow skiing or snowboarding;
• Injury sustained while roller blading or skateboarding;
• Injury sustained while participating in a rodeo.
• Reinjury or complications of an Injury caused or contributed to by a condition that existed before the Accident.
• Repetitive motion injuries, strains, hernia, tendonitis, bursitis and heat exhaustion not related to a specific injury.

Pre-Existing Condition Limitation

A pre-existing condition is not eligible for benefits unless the Diagnosis occurs after this Rider Effective Date and the Waiting Period, if any, has expired. We will not pay benefits for a Pre- Existing Condition that is Diagnosed within the Pre-Existing Period stated in the Schedule of Benefits.

A Pre-Existing Condition is not covered unless the loss begins after the Benefit Eligibility Period for Pre-Existing Conditions has elapsed, as stated in the Schedule of Benefits.

We will not pay benefits for claims resulting, whether directly or indirectly, from diseases that are related to, or are resulting from any of the following:

1. Any disease if the Covered Person was previously Diagnosed during the 12 months before the Rider Effective Date.
2. Any disease first Diagnosed within the Waiting Period, as shown in the Schedule, immediately following the Rider Effective Date.
3. Arrhythmia resulting in a Heart Attack that occurs in association with use of an illegal drug or controlled substance, except when administered in accordance with the advice of the Covered Person’s Doctor.
4. Any amount in excess of any Maximum Benefit for Covered Conditions.
5. Diseases or conditions that do no meet the definition of a Covered Condition in this Rider.
6. Suicide or attempted suicide.

PRE-EXISTING CONDITION: A Pre-Existing Condition is a condition for which: (a) Medical advice or treatment was recommended by, or received from a Doctor, within the Pre-Existing Period shown above; or (b) symptoms existed which would cause an ordinarily prudent person to seek diagnosis, care or treatment within the Pre-Existing Period before the Effective Date of the Covered Person’s coverage. Treatment includes being prescribed or taking prescription drugs or medicines.

A Pre-Existing Condition is not covered unless the loss begins after the Benefit Eligibility for Pre-Existing Conditions has elapsed.

Additional Disclosure

You have the option of downloading your certificate electronically. If you choose to do so, you are consenting to accept electronic delivery of your certificate. You also have the right at any time to receive a hard copy of your certificate.

This publication is not intended to offer legal advice or client-specific risk management advice. Any description of insurance coverages is not meant to interpret specific coverages that you may already have in place or that may be generally available. General insurance descriptions contained herein do not include complete insurance policy definitions, terms and/or conditions, and should not be relied on for coverage interpretation. Actual insurance certificates must always be consulted for full coverage details and analysis.