This term plan is a 10-year term insurance plan that offers four levels of coverage: $25,000, $50,000, $75,000 or $100,000. If you’re between the ages of 18 and 59, you’re eligible to apply.
Suicide.
For AK, AL, AZ, CA, CO, CT, GA, HI, IA, IL, IN, KY, MO, MT, NE, NJ, NM, PA, RI, TN, VA, WV, WY (Certificate SLTL1000GC): Suicide is no defense to payment of benefits unless the company can show you intended suicide when you applied for coverage. If so, limit to the amount payable to the total premium paid under the certificate.
For AR, DE, FL, ID, LA, MI, MN, NH, NV, OH, OK, SC, SD, TX, WA, WI (Policy D544): Suicide, while sane or insane, within two years (one year for residents of Colorado and North Dakota) from the Policy Date is a risk not assumed by us. In such event, we will limit the amount payable to the total premiums paid.
Rates do not increase with age or changes in your health.
You can never be singled out for a rate increase for any reason, including changes in your health. The rate you pay is based upon your age on the Effective Date when your coverage starts. Premiums are guaranteed for the first year following the effective date of the Policy or Certificate. Premiums may change after the first year.
You can cancel your coverage at any time.
If you decide you no longer need this coverage during the 10-year term period, you’re under no obligation to keep it or pay any further premiums.
NOTICE TO APPLICANT: YOUR PRIVACY IS PROTECTED
In order to evaluate your application for insurance, Stonebridge Life Insurance Company or its reinsurers may ask for medical or other personal information about you and any other person to be insured from medical professionals, or the Medical Information Bureau Inc. Information we collect about you will not be given to anyone without your consent, except when necessary to conduct our business. A brief report may be made to the Medical Information Bureau, a non-profit membership organization of life insurance companies, which operates an information exchange on behalf of its members. If you apply to another Bureau member company for life or health insurance, or a claim is submitted to such a company, the Bureau will, upon request, supply such company with information in its file. Stonebridge Life or its reinsurers may also release information in its file to other life insurance companies to whom you may apply for insurance, or to affiliated companies, or to whom a claim for benefits may be submitted.
(No information collected concerning the sexual orientation of the proposed insured will be used to determine his or her eligibility for insurance).
If you ask, the Bureau will arrange disclosure of any information it may have in your file. If you question the accuracy of information in the Bureau’s file, you may contact the Bureau and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of the Bureau’s information office is Post Office Box 105, Essex Station, Boston, Massachusetts 02112, telephone number (617) 426-3660.
Upon written request to Stonebridge Life Insurance Company, you may have access to the information about you in your file. If after reading the information in your file, you believe it is inaccurate, you should notify us, indicating what you believe is inaccurate and why. We will tell you at that time how to correct or amend your file and when information may be disclosed to others without your consent.
Also as a part of our normal procedure for processing your application, an investigative consumer report or other consumer report may be prepared. In an investigative consumer report, information is obtained through personal interviews with your neighbors, friends, or others with whom you are acquainted. This inquiry, if obtained, typically includes information as to your character, general reputation, and mode of living. You may make a written request within a reasonable period of time for additional information about the nature and scope of this investigation.
If you ask, you may be interviewed by the agency preparing your report. Information you give to the agency will be included in the report sent to us. If you wish to be interviewed, please tell us how the consumer reporting agency can reach you. Every effort will be made by the consumer reporting agency to interview you. You may ask to receive a copy of the report at anytime.
Please direct any request for information to our Underwriting Department.
THIS NOTICE IS TO BE READ BY THE APPLICANT FOR INSURANCE
Policy Form # : SLTL1000GC and D544