The issue of Long-Term Care is one that may affect almost all of us in one way or another. The costs associated with nursing home and home health care continue to escalate. Traditional sources of health coverage such as FEHB and Medicare cover few long-term care expenses.

Even though Congress has passed legislation that provides long-term coverage to federal employees, the insurance plan sponsored by VA Employees Association may provide more comprehensive coverage at a lower cost, and can cover parents and children of VA employees as well as employees and their spouses.

The VAEA sponsored program through John Hancock Life provides premium discounts of up to 20% .

BENEFITS ARE AVAILABLE REGARDLESS OF THE TYPE OF CARE YOU NEED:

Home Health Care: Home nursing care by an RN, LPN or LVN, or services provided by home health aids who are certified or employed through qualified home health agencies, physical, respiratory, occupational, or speech therapy, and nutritional counseling, by or under the supervision of qualified home health agency.

Adult Day Care Services: Coverage is provided for licensed facilities with planned daytime activities to relieve the primary caregiver.

Informal Care: This includes help with everyday activities, personal supervision from a skilled or unskilled provider if you are cognitively impaired, and certain services to maintain the home environment.

Assisted Living Facilities/Nursing Home Care: Coverage is provided in qualified assisted living facilities or nursing home.

Nursing Home Care: Coverage is provided for all levels of nursing home care including skilled, intermediate and custodial nursing care.

To obtain a proposal (rate quote and benefit outline), complete the information below:

Name:______________________________

Street:______________________________

City, St, Zip__________________________

Sex:_________ Agency: Veterans Affairs

Date of Birth:________________________

Spouse Date of Birth:__________________

Daytime Phone: (______) ______________

Evening Phone: (______)_______________

Mail your request to:

Mass Benefits Consultants, Inc.
P.O. Box 828
Annandale, VA 22003-0828

OR

E-mail your request to: mbc@massbenefits.com

The VAEA Supplemental Health Insurance Plan (SHIP)

For the prudent person Accidental Death and Dismemberment insurance is important to a well-rounded financial program. It bridges the financial gap that occurs when a breadwinner meets accidental death, or an accident that results in loss of sight or dismemberment. In addition, it provides a sum that may be needed to cover medical insurance co-pays and deductibles, or to train one for a new career.

When death is accidental, there is often great financial hardship because the estate is inadequate or assets are not readily convertible to cash. Accidental Death and Dismemberment insurance provides the additional ready cash families need.

We are pleased to offer this program of group Accidental Death and Dismemberment insurance. We urge each of you to examine your own individual or family needs and consider this plan.

Who's Eligible?
All actively employed members and retired employee members under age 80 are eligible. Your spouse under age 80 and unmarried dependent children under age 19 are also eligible. Unmarried children who are full-time students and primarily dependent on you for support are also eligible to age 23. If your spouse is also an active or retired VA employee and you both enroll, you cannot be a dependent on each other's coverage. Children will be considered eligible dependents of both spouses.

What's Covered?
You and your dependents are covered 24 hours a day, anywhere in the world. You're covered whether you're at home, at work or on vacation. And these benefits are payable in addition to any other insurance you have.

Selecting Your Benefits
You may select any Principal Sum from a minimum of $20,000 to a maximum of $250,000 in increments of $5,000. The cost for the coverage is based upon your age. Examples of annual premiums for some Principal Sum selections are in the following Premium Schedule chart.

Schedule of Benefits for
Insured Persons
Premium Schedule - Annual

Under Age 75:

+Principal Sums for Insureds while riding as a pilot or crewmember of any military aircraft while the service is being performed on a part-time basis to satisfy military service training obligations and not on a temporary or permanent full-time basis is the lesser or one-half his or her Principal Sum of $25,000.

You May Select Individual Coverage or Include Dependent Coverage
In addition to your own coverage provides the following insurance for your dependents:

• If you have a spouse only, 50% of your coverage.
• If you have a spouse and children, your spouse is insured for 40% of your Principal Sum and each unmarried child under age 19 (23 for full-time students) is insured for 10% of your Principal Sum.
• If you have children only, each child is insured for 15% of your Principal Sum to age 19 (23 if full-time students).

Effective Date of Coverage
Member Effective Date:
If you are eligible, you may enroll for insurance during the open enrollment period. New employees may enroll for insurance when they are eligible. Coverage will become effective on the first day of the month next following the date both your enrollment form and premium payment are received.

Dependent Effective Date:
Dependent coverage goes into effect on the date you become insured; on the first of the month following receipt of your dependent's enrollment form and appropriate premium; or on the date they become eligible, whichever is latest.

Beneficiary
Benefits for loss of your life will be paid to the beneficiary you have designated. If you have not designated a beneficiary, the life benefit will be paid to your estate. Benefits for loss other than life will be paid to you. All dependent benefits are paid to you.

Accidental Death & Dismemberment
If any of the following losses result from an Injury sustained in an accident, and the loss occurs within 365 days after that accident, this play will pay:

The total limit of liability for any one person for all losses due to the same accident will not be more than the Principal Sum.

Loss means, with regard to hands and feet, actual severance through or above wrist or ankle joints; with regard to sight, speech or hearing, entire and irrecoverable loss thereof; thumb and index finger, actual severance through or above the metacarpophalangeal joints; movement of limbs, complete and irreversible paralysis of such limbs.

Injury means a bodily injury resulting directly from an accident and independent of all other causes. Loss resulting from sickness or disease, or medical or surgical treatment of sickness or disease, is not covered. The accident must occur while you are covered under the policy.

Bonus Benefits
-- Permanent Total Disability Benefit
-- Escalatory Benefit
-- Common Disaster Benefit
-- Survivor Benefit
-- Spouse Education Benefit
-- Child Education Benefit

Permanent Total Disability Benefit
(Employee Only)
Pays the Principal Sum, less any amount payable under the Accidental Death and Dismemberment benefit, if you provide written proof that you were Totally Disabled from an Injury you received before age 65, the disability began within 180 days of the accident, the disability continued without interruption for 12 months and is expected to continue uninterrupted throughout your lifetime.

Totally Disabled means unable to perform the material and substantial duties of any occupation for which you are suited either by education, training, or experience.

Escalatory Benefit
If a Principal Sum is payable, the plan will also pay an Escalatory Benefit. This benefit is determined by multiplying 2% by the number of full years you have been insured under the policy, up to 5 years. Then multiply the Principal Sum that will be paid by the total percentage to determine the amount of the Escalatory Benefit.

Common Disaster Benefit
If both you and your spouse die as a result of Injuries received in the same accident and a Principal Sum is payable under the Accidental Death and Dismemberment Benefit for each death, the benefit for your spouse will be increased to equal your Principal Sum to a maximum combined benefit of $500,000.

Survivor Benefit
If your spouse is covered under this plan and the Principal Sum is payable because of your or your spouse's death, a Survivor Benefit will be paid in addition to the Principal Sum. The survivor benefit will be ½% of the deceased person's Principal Sum, paid monthly for 12 months. The survivor benefit will be paid to the surviving spouse, if living, otherwise in equal shares to your dependent children. If none survive, payment is made according to the beneficiary section.

Spouse Education Benefit
If your spouse is covered under this plan and the Principal Sum is payable because of your death, the plan will pay an Education Benefit to your spouse. This benefit will be the lesser of:

-- 3% of your Principal Sum; or
-- the Expense Incurred for Occupational Training; or
-- $3,500.

To qualify for this benefit, your spouse must enroll in an Occupational Training Program for the purpose of earning an independent income. Enrollment must take place within one year of your death, and expenses must be incurred within two years of your death.

If the Principal Sum is payable because of your death, and no covered spouse survives, the plan will pay $1,000 to your beneficiary.

Expense Incurred means actual tuition charged and cost of materials required for the Occupational Training Program. It does not include room and board.

Occupational Training Program means any educational, professional, or trade training which prepares your spouse for an occupation for which he or she would not otherwise be qualified.

Education Benefit
If your children are covered under this plan and a Principal Sum is payable because of your death, the plan will pay an Education Benefit to each of your eligible dependent children who qualifies. To receive this benefit, an eligible dependent child must show proof that on the date of your death he or she was enrolled as:
-- a full-time post-high school student in a school for higher learning; or
-- a student in 12th grade and, within 365 days, enroll as a full-time post-high school student in a school of higher learning.

The Education benefit will be the lesser of 2% of your Principal Sum or $2,500. This benefit is payable every year in which an eligible dependent child meets the above definition for up to 4 consecutive years, provided the dependent child submits proof of his or her student status each year.

If an Education Benefit would be payable, but no person qualifies as a student, the plan will pay $1,000 to your beneficiary.

Changes in Coverage
To request a change in coverage, simply complete a new enrollment form. the change will become effective on the first of the month on or next following the date your new enrollment form and appropriate premium is received.

Definition of Injury
Injury means a bodily injury resulting directly from any accident and independent of all other causes. Loss resulting from sickness or disease, or medical or surgical treatment of a sickness or disease, is not covered. The accident must occur while you are covered under the policy.

ENROLLMENT CARD

Reduction Due to Age
Your Principal Sum automatically reduces on the premium due date on or next following the date you attain the age indicated below.

Exclusions
Loss caused by any of the following events is not covered.
-- Intentionally self-inflicted injury, suicide or attempted suicide, whether sane or insane.
-- War or act of war, whether declared or not.
-- Injury sustained while in the armed forces of any country or international authority.
-- Injury sustained while riding on any aircraft, unless it's a civilian or public aircraft, or military transport aircraft.
-- Injury sustained while riding on any aircraft as a pilot, crew member, student pilot, flight instructor, or examiner.
-- Injury sustained while riding on any aircraft owned, operated or leased by or for the policyholder or any employer or organization whose eligible persons are covered under the policy.

Termination of Coverage
Coverage will terminate on the earliest of the following dates:
-- The date the policy is terminated; or
-- The premium due date on or next following the date you are no longer an eligible person or fail to pay premium.
Coverage for eligible dependents will terminate on the premium due date following the earlier of:
-- The date you cease to be insured; or
-- The date your dependent is no longer eligible.

Underwritten by:

Hartford Life Insurance Company

Hartford Life Insurance Company has been specializing in accident coverage for employees, retirees, and association members for over 40 years. Hartford Life, Inc., the sixth largest life insurance group in the nation, is one of the fastest growing major life organizations of the decade protecting more than 28 million lives. Hartford Life Insurance Company holds an A+ rating with A.M. Best company, an independent rating organization that evaluates the financial stability of the insurance industry.

Arranged through:

Mass Benefits Consultants, Inc. (MBC)

MBC has served VA employees for over 25 years as insurance broker and administrator. In our role as broker, MBC seeks to provide innovative insurance programs specifically designed for the individual needs of the VA employee. The VAEA plans are designed to help employees supplement their own insurance programs and personal financial planning.

You will receive a certificate of insurance describing the exact coverage and benefits purchased. This brochure explains the general purpose of the insurance described, but in no way changes or affects the insurance afforded under the group insurance policy actually issued. All coverage is subject to actual policy conditions and exclusions.

ENROLLMENT FORM

PROFESSIONAL LIABILITY INSURANCE

Especially designed for Federal Employees

Lawsuits against Federal Government employees are increasing at an alarming rate. Members of the public, even fellow workers, can bring personal lawsuits against you. You are at risk whenever you are acting within the scope of your job including:

• delegating assignments
• making staff evaluations
• working at your desk
• meeting with the public

Away from your desk, you could be exposed to even greater risk of lawsuits from private citizens. Frivolous or not, it could still cost you thousands of dollars.

Federal Law requires that all federal agencies
must reimburse employees one-half of the annual
premium for Professional Liability Insurance.
(Passed in 1996, part of the Omnibus Consolidated
Appropriations Act for Fiscal Year 1997
Contact your payroll office for reimbursement details)

The Federal Tort Claims Act states that the government can choose whether or not to defend you. It cannot cover any monetary damages awarded against you personally. Even if the Justice Department refuses to defend you, this plan picks up the full cost of your legal defense and pays covered damages awarded against you (up to the $1 million limit).

This Professional Liability Insurance was specially designed to protect Federal Government employees. You are protected anywhere in the world against losses from lawsuits stemming from the performance of your official federal duties.

In recent years, the number of disciplinary and performance-based actions taken by U.S. government agencies against their own employees, both supervisory and non-supervisory, has risen dramatically. Allegations of discrimination, sexual harassment, civil rights violations, computer and credit card misuse, leave abuse and other offenses can be leveled at the most honest and upright of people. This policy provides experienced federal employment law practitioners for your legal defense with coverage up to $100,000 in attorney fees and related costs. Both administrative and criminal charges against you are covered.

In the event defense of the Insured in any claim or suit is granted by the Department of Justice or its designee, the Insured may, nevertheless request the Company to provide him with an attorney selected by the Company to monitor and oversee the defense being provided by the United States.

ELIGIBILITY

Any full-time employee of the Federal Government working at least 17.5 hours per week is eligible for Professional Liability coverage

DESCRIPTION OF BENEFITS

• $1,000,000 of professional liability coverage for judgments arising from acts, errors, or omissions committed by you within the course and scope of your employment.
• Protection against judgments involving personal injury, bodily injury and property damage within the scope of your employment.
• Protection against lawsuits that existed before the effective date of coverage provided as an insured that you had no knowledge of such suits.
• A discovery period of 36 months is effective the day you retire.
• Administrative legal defense coverage up to $100,000 to pay the costs of defense and monetary penalties during administrative proceedings for acts committed or alleged within the scope of your employment. Coverage is provided for Internal Agency Disciplinary Proceedings; Criminal Proceedings; and Judicial Sanctions for any monetary penalty.

This plan pays for your defense cost even against groundless or fraudulent suits. This is in addition to your liability limit and is without limitation. There is no deductible, and where allowed by state law, this plan pays punitive damages up to your coverage limit.

JUSTICE DEPARTMENT CONSULTED IN DESIGNING THIS COVERAGE

This program was developed with the advice and consultation of attorneys in the Torts Claims Division of the Justice Department to provide the fullest protection possible for you as a government employee. They work in the field daily and are more acutely aware of your needs than anyone else. You should feel confident knowing this is the only professional liability policy developed with the advice of the Justice Department.

“Course and scope of employment” means an “incident” of any kind or character that has to do with and originates in the work, services, trade or profession of the employee’s federal agency and that is performed by the employee while engaged in or about the furtherance of the affairs or services of that federal agency.

ENROLLMENT

1. Complete and return the enclosed application form with payment in the return envelope provided (payroll deduction must be started by employee – call 1-800-221-3083 for assistance).

2. To pay by credit card, visit our secure website: www.career-guard.com. Complete the on-line application and credit card information.

Coverage will begin on the first day of the month following receipt of the application and payment. (Payroll Deduction Option – Coverage begins on the first day of the pay period that the deduction is made.)

EXCLUSIONS

Coverage under this plan does not apply

a) to any obligation for which the Insured or any carrier as the insurer may be held liable under any workers' compensation, unemployment compensation, disability benefits law, or other similar law;

b) to damages arising out of the willful violation of a penal statue or penal ordinance committed by or with the knowledge or consent of the Insured, or damages arising out of acts of fraud committed by or at the direction of the insured with affirmative dishonesty or actual intent to deceive or defraud;

c) to liability assumed by the Insured under any contract or agreement;

d) to Bodily Injury arising out of the ownership, operation, or the use of any land motor vehicle designed for use principally on public highways, including any machinery or apparatus attached thereto, or any aircraft or watercraft;

e) to Property damage to:

1. Property owned occupied by, or rented to the United States Government or Insured;

2. Property used by the Insured;

3. Property in the care or control of the Insured or as to which the Insured is for any purpose exercising physical control.

f. (1) Bodily Injury, Property Damage, Personal Injury, Advertising Injury or any Administrative Law Proceeding arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants:

(a) At or from any premises, site or location which is or was at any time owned or occupied by, or rented to or loaned to any Insured;

• At or from any premises, site or location which is or was at any time used by or for any Insured or others for handling, storage, disposal, processing or treatment of waste;
• Which are or were at any time transported, handled, stored, treated disposed of, or processed as waste by or for any Insured or any person or organization for whom may be legally responsible; or
• At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured’s behalf are performing operations;
• if the pollutants are brought on or to the premises, site or location in connection with such operations by such insured, contractor or subcontractor; or
• if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants

(2) Any loss, cost or expense arising out of any:

• Request, demand or order that any Insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants;

or

• Claim or Suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any wan responding to, or assessing the effects of pollutants.

Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.

g. (1) Asbestos, asbestos fibers, asbertiform talc or any material and/or substances containing asbestos, asbestos fibers or asbertiform talc or any asbestos related bodily injury, property damage, personal injury, or administrative law proceeding, or exposure to asbestos, asbestos fibers or asbertiform talc in any form, and/or manifestation of any asbestos related bodily injury, including but not limited to asbestosis, mesotheliomia and/or brochogenic carcinoma; or

• Any alleged act, error or omission or duty involving asbestos, asbestos fibers or asbertiform talc or any material and/or substances containing asbestos, asbestos fibers or asbertiform talc its use, exposure, presence, existence, detection, removal, elimination or avoidance; or
• The use, exposure, presence, existence, detection, removal, elimination or avoidance of asbestos, asbestos fibers or asbertiform talc or any material and/or substances containing asbestos, asbestos fibers or asbertiform talc in any environment, building or structure.
• Any procedures, including grievance procedures and arbitration hearings, that are provided by any collective bargaining agreements.

This article offers a brief description of the Professional Liability Insurance plan. Details can be found in the Certificate of Insurance, which will be available to you upon enrollment.

Although every attempt has been made to verify the accuracy of the information contained on this website, errors and omissions may occur. The Certificate of Insurance describing the exact coverage and benefits purchased will be available upon enrollment. This website explains the general purposes of the insurance described, but in no way changes or affects the insurance afforded under the group insurance policy actually issued. All coverage is subject to the actual policy conditions and exclusions.

Professional Liability Insurance

(All forms are in PDF format. If you cannot
print a form, please call 1-800-221-3083
and we will be glad to mail forms to you.)

Employees of the Department of Veterans Affairs and their spouses can apply for as much as $250,000 of Term Life Insurance at affordable group rates:

Why Term Life Insurance:

We can sum it up in one word - cost. Term Life offers a considerable advantage over permanent life insurance because term policies provide pure protection at a lower cost during the time your growing family needs it. With kids outgrowing clothes, cars wearing out, educational expenses escalating, and the mortgage bill coming in every month your spouse will need every available dollar. In the event of your untimely death, your family will receive a much needed large sum of money to help them ride out the bumpy road ahead.

Your VAEA Group Term Life Insurance Plan combines economical group rates with high-limit protection. There are no extras such as cash loans or retirement income value to increase the cost. This is truly a no-frills group plan offering you one of the best life insurance values available.

Apply now and erase the worry and concern for your loved ones' financial future. You will have provided them with a no-nonsense, affordable, term life insurance plan.

FEATURES

Beneficial Accelerated Benefits Feature.
The Accelerated Benefits provision allows you to apply to receive up to 50% (less the administrative expense discount) of your life insurance before death if you are diagnosed as terminally ill as defined by the group policy. The remaining benefit then becomes payable to your beneficiary after your death. These Accelerated Benefits help you pay for medical bills or living expenses for your family when finances fall short during a terminal illness. Terminal illness is a medical condition which is expected to result in the insured person's death within 6 months and from which the insured person is not expected to recover. Children's coverage does not include Accelerated Benefits.
The Accelerated Benefits provision is subject to certain exclusions which are listed in the Certificate of Insurance. Receipt of living benefits may be taxable. Consult your tax advisor for details. A physician's certification will be required and will be subject to All American Life's review and concurrence.

Broad Risk Coverage
Your VAEA Term Life Insurance plan pays benefits if you die from any cause, at any time, anywhere in the world, 24 hours a day, 365 days a year. Only suicide is not covered during the first two years. In that event, the Insurance Company will simply refund all premiums paid.

Renewability
Once insured, you may keep this coverage until age 75, regardless of your health, as long as you pay your premiums when due and the Insurance Program is in force even if you retire or leave the federal government.

Option for Lifetime Coverage
Once you are in the program you may elect lifetime coverage - regardless of your health. So long as your premiums are not being waived, your group coverage may be converted at any time to an individual permanent (other than term) life insurance plan.

Choice of Beneficiary
You may name anyone as your beneficiary. You may change your beneficiary at any time by making a written request.

Waiver of Premium.
We'll continue coverage for you and any insured family member with no premium payment if you become totally and continuously disabled (as defined in your Certificate of Insurance) before age 60, all premiums after six months of continuous disability will be waived and the insurance will continue in effect.

Why You Should Buy More Life Insurance Now
Life insurance rates have come down dramatically in recent years. Group rates now allow you the affordability of increased protection to meet new and increased financial obligations. A new child in the family, a new home, the rising cost of a college education, care for dependent parents... these are all financial liabilities that your family would face in the event of your untimely death.

CHILDREN: $10.00 for $5,000 coverage ($1,000 age 15 days to 6 months)

* Premiums shown are for renewal and reduced coverage only. Coverage reduces 50% at age 65 and 70. Coverage terminates at age 75.

Notes:

• "Age" means attained age at the time of application.
• Premiums increase as the insured enters a new age bracket.
• Maximum coverage: $250,000.
• Premium for a spouse is based on the spouse's attained age.
• An administrative fee of $1.00 will be added to each account per billing cycle.

How do I apply?

1. Print and fill out the application. Be sure to sign and date the application/medical authorization form.

2. Use the table (above) to decide on coverage and to figure the amount of your payment. Check the amount of coverage you desire on the application.

3. Mail the signed form and check for your first semi-annual payment to:

Mass Benefits Consultants, Inc.
P.O. Box 828
Annandale, VA 22003-0828

4. Your insurance will become effective on the first day of the month after your application is approved and the required premium is paid.

All dependent children (regardless of how many) may be insured for one payment of $10.00 for $5,000 of coverage for each child over 14 days and under age 21 (to age 23 if a full-time student). ($1,000 coverage for children age 15 days to 6 months )

Effective Date
Coverage becomes effective on the first day of the month coinciding with, or immediately following, the date a completed application and any evidence of insurability required is determined to be satisfactory by All American Life, and the full premium for the insurance is received.

Benefits and Exclusions
All American Life will pay the amount of your insurance to your beneficiary if you die from any cause anywhere in the world. The only exclusions are for misrepresentation of facts on your application and for suicide in the first two years of the policy. All American Life will pay your beneficiary either in a lump sum or as installments with interest. They will pay your beneficiary directly, thus avoiding the delays of probating your will.

Guarantee
The insurance plan described herein has been compared with other similar plans now being offered in the marketplace and found to be one of the finest such plans available. The underwriting company has advised that if, after receiving your certificate, you are not entirely satisfied with the coverage therein described, you may return it within 30 days and your money will be refunded in full.

Important Notice To Applicant

You undoubtedly know that when someone applies for certain kinds of insurance or credit, the companies involved attempt to verify the information on your Application. This is sound business procedure and helps both parties.

The information you provide will be treated as confidential except that All American Life Insurance Company may make a brief report thereon to the Medical Information Bureau on behalf of its members. Upon request by another member insurance company to which you have applied for life or health insurance coverage or to which a claim is submitted, the Medical Information Bureau will supply such company with the information it may have in its files.

Upon receipt of a request from you, the Bureau will arrange disclosure of any information it may have in your file. If you question the accuracy of the information in the Bureau's file, you may contact the Bureau and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of the Bureau's information office is Post Office Box 105, Essex Station, Boston, Massachusetts 02112, telephone number (617) 426-3660.

All American Life Insurance Company may also release information in its file to other life insurance companies to whom you may apply for life or health insurance or to whom a claim for benefits may be submitted.

This summary is a brief summary of benefits only and is subject to the terms, conditions and limitations of Group Policy No. A-900,810. Complete details can be found in the Certificate of Insurance, which will be sent to you when your application is approved.

Administered by:
Mass Benefits Consultants, Inc.
P.O. Box 828
Annandale, VA 22003-0828
Call Toll-Free - 1-800-221-3083

Underwritten by:
The All American Life Insurance Company
3600 Route 66
P.O. Box 1580
Neptune, NJ 07754-1580

All American Life is rated A+ (Superior) by A.M. Best, reflecting the company's superior overall financial strength and operating performance when compared to A.M. Best's standards.

Although every attempt has been made to verify the accuracy of the information contained on this website, errors and omissions may occur. You will receive a certificate of insurance describing the exact coverage and benefits purchased. This website explains the general purposes of the insurance described, but in no way changes or affects the insurance afforded under the group insurance policy actually issued. All coverage is subject to the actual policy conditions and exclusions.

APPLICATION FOR TERM LIFE INSURANCE