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Term of Coverage Your
coverage will go into effect on the first of the month following approval of
your application, provided you pay the required premium. If you choose to cover your dependents, their insurance will begin on the date you become covered, or the first of the month following approval of your application to cover a dependent, whichever is later, provided the required premium is paid. If you or your spouse are not actively at work when coverage would normally take effect, the effective date will be deferred until the first of the month after you or your spouse have worked full time for 90 consecutive days. If you or your spouse are unemployed and unable to carry out the normal and customary activities of a healthy person of the same age and sex, coverage will be deferred until the first of the month following your being able to carry out those activities for 90 consecutive days. Any effective date of coverage is subject to the applicant's health remaining unchanged from the date of application . Coverage for you or your insured spouse will remain in force unless:
Your dependents' coverage remains in force as long as your coverage remains in effect, premiums are paid when due, and they remain eligible dependents. Exclusions Suicide is excluded from coverage for two years from the effective date of each person's coverage. However, if suicide is committed during the first two years, we will refund the premiums paid to the date of death. Continue to Begin the Application Process |