Guaranteed Renewability - The Generation 3 coverage is guaranteed renewable. Neither New York Life nor USBA has the right to cancel the plan. This means that you may continue your coverage regardless of your age so long as you pay the premiums when due.

Cash Value & Loans - The whole life portion of your Generation 3 coverage accumulates a small cash value which you may borrow against. Complete cash value tables are provided in your Certificate. For information on loans, please contact USBA at 1-800-368-7021.

Minimum/Maximum Coverage - Request a minimum of $25,000 up to a maximum of $400,000 of Generation 3 coverage. The overall maximum amount of coverage available under all USBA Group Life Plans is $650,000.

Individual Certificate - This section outlines the principal provisions of the USBA Generation 3 Plan. Complete details are in Group Policy G-10649 (Policy Form GMR) delivered to USBA at its headquarters in Overland Park, Kansas, by New York Life. Each Member receives a certificate which summarizes policy provisions affecting his or her insurance.

Continuation of Coverage - This is permanent insurance. Neither USBA nor New York Life can ever cancel your coverage as long as you continue paying your premiums in a timely manner.

No War Clause - The USBA Generation 3 Plan will pay benefits for death resulting from combat or any other cause.

Limitation:

• Area of Armed Conflict  (This limitation does not apply to: insured members who are on active military duty, including the National Guard & Reserve; death due to accident or illness; or to any coverage amount in force with USBA prior to 1/1/07.) If your death results from hostilities in an “Area of Armed Conflict,” the aggregate maximum benefit payable under all USBA Group Life Plans will be limited to $100,000. (Note: Please contact USBA for a listing of the geographic areas currently designated as an “Area of Armed Conflict.” See your Certificate of Insurance for further details.)

POW/MIA Protection - If the D.O.D. lists you as a prisoner of war or as missing in action, USBA will pay premiums for all your USBA- sponsored Group Life Insurance in effect at that time. USBA will continue to pay these premiums on your behalf as long as your POW/MIA status continues or until your coverage would otherwise end.

Military Flyers - Military flyers are fully covered at the same rate as non-flyers.

$15,000 Emergency Death Benefit - If your spouse is the beneficiary of your policy (and all other qualifications have been met), an emergency payment of 50% of the death benefit up to $15,000 may be paid upon phone notification of your death.

Coverage you can keep... USBA's Generation 3 Plan may be continued after retirement or military separation. And there's no increase in premium or decrease in coverage, just because you retire or separate. Veterans and Federal employees also qualify for USBA coverage.

30-Day Unconditional Promise - Once your application is approved, you'll be issued a Certificate of Insurance. If you are not completely satisfied with the provisions of your Certificate, you can return it within 30 days for a prompt, full refund.

The Company Behind the Plan - This plan is underwritten by New York Life Insurance Co... one of the oldest and largest life insurance companies in America.