My Benefit Builder

Member Eligibility Definition	Optional Term Life All active members in good standing and who are under age 65
Effective Date Of Coverage	First day of the month following enrollment
Guarantee Issue Amounts	Optional Life: Up to $50,000 Member Only
Waiver of Premium (Life Plan)	Does not apply
Accelerated Benefit Option (Life)	90% up to $100 Optional Life, Life expectancy 6 Months. Applies to Active Members Only.
Life Exclusions	2 year suicide exclusion applies
Exposure and Disappearance Benefit**	% of Principal sum consistent with type of loss
Termination of Coverage	Coverage terminates: When membership ends Member at age 80
Portability	Does not apply
Life Conversion	Optional Term Life: Applies (member and dependent)
Effective Date of Benefit reductions, Termination, Changes in Age Band rates due to Member or Dependent Aging	Member Only Age 65 - 65% of current coverage amount Age 70 - 50% of coverage amount in force at age 64 Age 75 - 25% of coverage amount in force at age 64 Coverage terminates at age 80

This product may not be available in all states.

AD&D Not available in PA.