Voluntary Life and AD&D Insurance
Life and Accidental Death and Dismemberment (AD&D) coverage can help you prepare for the unexpected. The chart below provides a summary of the coverage.
Employee Supplemental Life and AD&D Coverage | • May purchase coverage in increments of your base salary • Maximum coverage— $500,000 • Guaranteed Issue Amount $150,000 • Request to add coverage subject to completion and approval of evidence of insurability form if election not made when first eligible for coverage • Term life insurance policy • At age 65 & 70, there are life insurance amount reductions • For AD&D benefit, the amount matches your optional life coverage election • Provides coverage in case of an accidental death or dismemberment • Benefits are payable in the event of loss of life, limb, sight, and speech or hearing |
Spouse Supplemental Life and AD&D Coverage | • Available if you, our associate, enroll in the Optional Life and AD&D Coverage • Coverage amount of $5,000 increments to a maximum of $500,000, not to exceed 100% of employee elections • Guaranteed Issue Amount $50,000 • Request to add coverage subject to completion and approval of evidence of insurability form if election not made when first eligible for coverage • Term life insurance policy • At age 65 & 70, there are life insurance amount reductions • For AD&D benefit, the amount matches your optional life coverage election Provides coverage in case of an accidental death or dismemberment • Benefits are payable in the event of loss of life, limb, sight, and speech or hearing |
Child Optional Life and AD&D Coverage | • Available if you, our associate, enroll in the Optional Life and AD&D Coverage • Coverage amount of $10,000 available per eligible child • Term life insurance policy • Eligible until the child’s 26th birthday • For AD&D benefit, the amount matches your optional life coverage election • Provides coverage in case of an accidental death or dismemberment • Benefits are payable in the event of loss of life, limb, sight, and speech or hearing |
Designate Your Beneficiary
When you enroll online for benefits, look for the prompts to designate a beneficiary for your Hello Auto Group Health-provided life insurance coverage and/or your optional life insurance plans. If a beneficiary is not designated, benefits will be paid according to the carrier policy. It is not necessary to add a beneficiary for your spousal life or child life insurance coverage since you are automatically the beneficiary for any spouse or dependent coverage you elect.
Evidence of Insurability
You may be asked to provide Evidence of Insurability (EOI) or proof of good health, if:
- You do not enroll for coverage when first available and choose to enroll later.
- You want to increase your coverage after your initial enrollment. guardiananytime.com/eoi and enter the group number: 00042200.
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