Level Premium - Your premiums will never increase regardless of your age or health – guaranteed!

Level Death Benefit - As long as premiums are paid, the death benefit doesn’t decrease – guaranteed!

Minimum/Maximum Coverage — As a Member or Associate Member, you may request Group Whole Life coverage in amounts from $5,000 to $400,000 (in $1,000 increments). Note: The overall maximum coverage amount available to each Member/Associate Member under all USBA-sponsored Group Life Insurance Plans is $650,000. Optional AD&D coverage is not considered life insurance.

Cash Value - Over time, your Group Whole Life plan will accumulate a cash value. If terminated after cash value has accrued, it may be surrendered for its cash value or may be exchanged for an amount of paid-up insurance. The reduced paid-up insurance continues to build a cash surrender value.

Reduced Paid-Up Insurance - This is an amount of life insurance for which you can surrender your Group Whole Life Insurance and on which no further premiums are required to keep it in force. Complete details are in the certificate.

Loans - Cash loans at current interest rates may be requested through USBA, once cash values are available. The death benefit will be reduced by the amount of any unpaid loan, plus any interest-to-date. If the interest isn’t paid at the end of each certificate anniversary, it is applied to the loan balance. If the loan plus interest exceeds the cash value, the insurance will terminate. Complete cash value tables and details are provided in your Certificate. For information on loans, please contact USBA at (877) 297-9235.

30-Day Unconditional Promise - Once your application has been approved, you’ll be issued a Certificate of Coverage … and if you’re not completely satisfied with the provisions of your coverage, you can return it within 30 days, without claim, for a prompt and full refund. No questions asked!

$15,000 Emergency Death Benefit - You won't find many other competing plans offering this benefit. Your spouse beneficiary may qualify for an immediate emergency payment of up to $15,000 on telephone notification of your death. This benefit is very helpful and greatly appreciated at a very difficult time. Some restrictions may apply, contact USBA for details.

No War Clause - Unlike many other life insurance plans, the USBA Group Whole Life plan does pay benefits for combat-related deaths.

Full Coverage for Pilots & Crew Members — Unlike some plans, USBA Group Whole Life insures pilots and crew members with no reduction in the death benefit.

Limitations:

• 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 Missing in Action or as a Prisoner of War, USBA will pay 100% of your premium for your USBA group life insurance in effect at that time … and continue paying either until you're no longer a POW/MIA or until your coverage would otherwise end.

Coverage You Can Keep - USBA’s Group Whole Life Plan may be continued after retirement or military separation. And there’s no increase in premium or decrease in coverage, just because you separate.

Individual Certificate - These pages outline the principal provisions of the USBA Group Whole Life Plan. Complete details are in Group Policies G-10648 and G-5393 (Policy Form GMR) issued to USBA by New York Life. Each Member receives a certificate which summarizes policy provisions affecting his or her insurance.

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