Group Term Life
& Accidental Death
VGTL | Custom w/AD&D
Would your family
have a secure future
Plan for tomorrow with Colonial Life’s Group Term Life
and Accidental Death and Dismemberment Insurance.
We know it’s a struggle when you lose someone you love, but it doesn’t need to
be complicated by financial concerns. To help you determine how much coverage
your family may need, ask yourself the following questions:
Will they have the money to pay for final expenses, such as funeral costs,
outstanding medical bills and taxes?
Can they meet ongoing living expenses like the mortgage payment,
utilities and healthcare costs?
Will the children have enough money to pay for college?
The Group Term Life and Accidental Death and Dismemberment (AD&D) plan from
Colonial Life & Accident Insurance Company is a lower cost option that can provide
higher coverage amounts. It can help you make the most of your insurance dollars
during times of high protection needs, when the family is growing. Group term life
and AD&D insurance can provide the most coverage at low group rates, with the
convenience of payroll deduction.
Term Life Insurance
Term life insurance provides death-benefit-only protection at a reasonable cost
during a specified period of time. With the affordable premiums, you can purchase
the full amount of life insurance coverage you need now. And the death benefit is
paid tax-free to your beneficiaries.
AD&D insurance provides additional benefits to help cover the additional
expenditures associated with an accidental death, as well as the high costs of
recovery and rehabilitation required by an accidental dismemberment.
Group Term Life Choose the coverage that is right for you.
You Your Spouse Your Dependent Children
(up to age 18, 24 if a full-time student)
$______________________ $______________________ $______________________
Maximum Choose from a minimum of Choose from a minimum of Benefits available in $1,000 increments, up
$10,000, up to 5 times your $5,000, up to 100% of your to a maximum of $10,000 for each child (or
salary, to the maximum shown benefit amount in all states up to a maximum of 50% of the amount
on the coverage options except the three listed below you choose for yourself in the three states
insert. (or up to a maximum of 50% listed below)1. Each child is covered for the
of the amount you choose for same amount, except: the maximum death
yourself in the three states benefit for a child between birth and six
listed below).1 months is $1,000.
The maximum benefit is 50% of your benefit, up to $250,000 in FL, KS and NE.
Life Planning Financial & Legal Resources is provided by Ceridian Corporation. This service is available with Colonial Life & Accident Insurance Company’s
Voluntary Group Term Life offering. Exclusions, limitations and prior notice requirements may apply, and service features, terms and eligibility criteria are
subject to change. Ceridian Corporation is not engaged in rendering legal advice. Users should consult with their own attorneys. The services are not valid
after termination of coverage and may be withdrawn at any time. Please contact your Colonial Life benefits counselor for full details.
24 months or less to live in CO and ND.
Accidental Death & Dismemberment
If you purchase group term life insurance, you can also choose AD&D insurance that will cover you, as well as your
spouse (if covered under group term life) and your dependent children (if covered under group term life).
Your AD&D insurance will be in the same amount you choose for the group term life insurance.
Full Benefit One-Half Benefit
• Loss of life • Loss of one hand
• Loss of both hands or both feet or the sight of both eyes • Loss of one foot
• Loss of one hand and one foot • Loss of the sight of one eye
• Loss of one hand or foot and the sight of one eye • Loss of speech or hearing
• Total loss of both speech and hearing
AD&D coverage includes:
Repatriation Benefit—to help pay the mortuary expenses incurred if the cause of death is an accident at
least 75 miles from the town where you live.
Seat Belt/Air Bag Benefit—if the cause of death or dismemberment is a car accident and if the insured was
using a seat belt or air bag. (Not available in MN.)
Education Benefit—to aid in your dependent children’s post-secondary education in the case of your
Coverage includes these special features:
If you retire, reduce your hours or leave your employment, you can still keep your coverage at the same affordable
group rates. Eligibility for portable coverage may be based on your health at time of portability. If you are not
eligible for portability, you may be eligible to convert coverage to a cash value life policy.
Life Planning Financial & Legal Resources2
This service provides support during a time when you may have many decisions to make and may not be sure where
to begin. Provided by Ceridian and sponsored by Colonial Life, this service can provide the following support when a
certificate holder or spouse dies or is diagnosed with a terminal illness:
Financial and legal resources
Impartial, accurate, professional consultation
The service is available at no cost for 12 months with Voluntary Group Term Life insurance coverage for beneficiaries
and certificate holders.
Accelerated Death Benefit
With the accelerated death benefit, you may request an advance benefit if you are diagnosed with a terminal illness
with less than 12 months to live.3 We will pay up to 60% of your life insurance benefit to a maximum of $250,000 (up
to 50% with a maximum of $25,000 in TX). The remaining amount of your benefit is paid to your beneficiary upon
your death. This feature also applies to your spouse and dependent children covered under the plan.
Accelerated Death Benefit Age Reduction Schedule
Your Accelerated Death Benefit will be discounted for one year as The amount of insurance for you or your covered spouse will reduce
described in your certificate. when you reach age 70 or 75, according to the schedule in your
State Variations certificate.
In NC: Accelerated death benefits may be taxable or may affect AD&D Exclusions
eligibility for benefits under state or federal law. You should 1. Disease of the body, mental infirmity, or diagnostic, medical or
consult your tax advisor to determine the effect on you. surgical treatment.
In TX: The Accelerated Death Benefit offered under this certificate 2. Suicide or intentionally self-inflicted injury, while sane or insane.
may or may not qualify for favorable tax treatment under the 3. War, declared or undeclared, or any act of war.
Internal Revenue Code of 1986. You are advised to consult with a 4. Active participation in a riot.
qualified tax advisor about circumstances under which you could 5. An attempt to commit or commission of a crime (felony in SD)
receive accelerated death benefits excludable from income under under state or federal law.
federal law. Also, you are advised to consult with social service 6. Voluntary use of any controlled substance except as prescribed
agencies concerning how receipt of such a payment will affect by a doctor and taken as prescribed.*
you, your spouse and your family’s eligibility for public assistance. 7. Being under the influence of alcohol.*
Premium *These exclusions do not apply in SD.
Employee/Spouse—Your and your spouse’s initial premium will be State Variations (In addition to or as replacements for the exclusions listed above.)
based on current age and will change with age, based on five-year age In CT: replaces #5 and #6 above.
bands. 5. An attempt to commit or commission of a felony for which you
Dependent Children—Your child’s premium is based on the or your dependent has been convicted under state or federal law.
cost of coverage for one child regardless of how many children 6. Voluntary use of any controlled substance. (This is defined in Title
you have. Premium will also change if the rates we offer to your II of the Comprehensive Drug Abuse Prevention and Control Act of
employer change. 1970 and all amendments.) This exclusion will not apply if the drug
Participation Requirements is prescribed by a doctor and taken as prescribed.
A specified number of your group’s employees must maintain In MD: replaces #2, #5 and #6 above.
coverage in this plan to keep it in force. 2. Suicide, intentional self-destruction, while sane, intentionally self-
Exclusions and Limitations inflicted injury while sane, or self-inflicted injury while insane.
Delayed Effective Date 5. Committing or attempting to commit an assault or felony.
Employee—Insurance will be delayed if you are not in active 6. Illegal use of any drug. (This is defined in Title II of the
employment because of an injury, sickness, temporary layoff, or Comprehensive Drug Abuse Prevention and Control Act of
leave of absence on the date that insurance would otherwise be 1970 and all amendments.) This exclusion will not apply if the drug
effective. is prescribed by a doctor and taken as prescribed.
Dependents—Spouse and dependent children are eligible In MO: replaces #2 above.
to apply for coverage under guaranteed issue at the initial 2. Suicide while sane or intentionally self-inflicted injury while sane.
enrollment, but their coverage will not be effective if they are
NOTE: Suicide while insane is no defense to payment for insureds
currently disabled. Being disabled includes the inability to
who are Missouri citizens, unless the insurance company can
perform activities of daily living (not applicable in NH), being
show that the insured intended suicide when the insured applied
cognitively impaired, confined in a hospital or similar institution,
for Accidental Death and Dismemberment Insurance, regardless
or the existence of any life-threatening conditions. The ability to
of any language to the contrary in the Summary of Benefits.
work does not determine disability. You can pay premiums on
Suicide while sane is a defense.
insurance for your dependents with no health questions asked;
however, coverage isn’t effective until they are no longer disabled. Should death occur as a result of suicide, our company is
responsible only for return of premiums paid when application is
This provision does not apply to a newborn child while
made with intent to commit suicide.
dependent insurance is in effect.
In ND: replaces #7 above.
7. The presence of that percentage of alcohol in the insured’s blood
Your plan does not cover any losses where death is caused by,
that raises the insured’s blood alcohol level beyond the legal limit
contributed to by or results from:
governed by the laws of the state in which the accident occurred.
suicide occurring within 24 months (12 months in CO and ND)
In SC: replaces #3 and #5 above.
after an insured’s initial effective date of insurance; and
3. Participation in a war, declared or undeclared, or any act of war.
suicide occurring within 24 months (12 months in CO and
ND) after the date any increases or additional insurance become 5. An attempt to commit or commission of a crime under state or
effective. federal law, except in self-defense.
State Variation Please see your certificate of coverage for additional information.
In MO: Applicable to Certificate Form VGTL.C (including state
Should death occur as a result of suicide, our company is
VGTL | Custom w/AD&D
responsible only for return of premiums paid when application abbreviations, where applicable).
is made with intent to commit suicide.
1200 Colonial Life Boulevard
Columbia, South Carolina 29210 Colonial Life products are underwritten by Colonial Life & Accident
coloniallife.com Insurance Company, for which Colonial Life is the marketing brand.