NAPUS members comprise a special fraternity of more than 42,000 other Postmasters, officers-in-charge and retired Postmasters.

A National Office staff of full-time professionals works to promote the interests of Postmasters and OICs.

For full information of the benefits and services available to NAPUS members, visit the NAPUS website.

NAPUS HIGH-LIMIT ACCIDENTAL DEATH AND DISMEMBERMENT PLAN

Accidents can happen to anyone at any time. No one can foresee when one will occur, but now you can plan against the severe financial loss such a tragedy could bring to you and members of your family.

During the current enrollment period, you may enroll individually or include your spouse and dependent children.

A brief description of the benefits, premium rates and an enrollment form follow. Take this opportunity today to enroll in this important plan to protect yourself and your family's future.

$25,000 to $250,000 - Choose the protection you want........

This Accidental Death and Dismemberment Plan is offered to you, your spouse and dependent children at reasonable, group rates because you are a member of the National Association of Postmasters of the United States. These benefits are payable for death or dismemberment due to accidents that occur anywhere in the world.

You Are Eligible for up to $250,000 of Coverage

All members under age 70 who are actively at work are eligible for this plan. You select the protection you want, from $25,000 to $250,000.

You May Select Individual Coverage or Include Your Spouse
and Dependents in this Plan...

You can include your spouse (husband or wife to age 70) and all dependent, unmarried children to 19 years of age (25 if a full-time student). It costs you much less than similar individual coverage alone. If you select the Family Plan, the benefits are:

A) If you have a spouse only, he or she is covered for 50% of the member's full benefit amount.

B) If you have a spouse and children -

a) Your spouse is insured for 40% of the member's full benefit amount.

b) Each unmarried child under 19 (25 if full-time student) is insured for 10% of the member's full benefit amount.

c) If only member and child(ren) are insured, each unmarried child under 19 (25 if full-time student) is insured for 15% of the member's full benefit amount.

You Are Paid the Benefits Shown Below....

When injuries caused by an accident result in death or dismemberment, within 90 days of an accident, the Accidental Death & Dismemberment Plan pays these benefits.

For loss of:*

* Loss means: with reference to hands and feet, actual severance through or above
wrist or ankle joints; with reference to sight, entire and irrecoverable loss of sight which
cannot be restored by surgical or other means.

You Also Receive These Important Benefits

SEAT BELT BENEFIT
If the insured suffers loss of life as a result of a covered automobile accident, and was wearing a properly fastened safety belt at the time of the accident, and death occurs within 90 days of the date of the accident, the benefit amount payable will be the lesser of 50% of the full benefit amount or $50,000.

EDUCATION BENEFIT
If you select Family Plan coverage and lose your life as a result of a covered accident, this benefit will provide educational assistance to your surviving dependent children who are under 25 years of age and enrolled as full-time students in an institution of higher learning at the time of your death. The amount of the education benefit will equal the lesser of 1% of the inured member's full benefit amount or $2,500. The education benefit will be paid until the earlier of 4 consecutive years form the date the member dies or the date the dependent child ceases to be enrolled as a full-time student at an institution of higher learning.

EXPOSURE AND DISAPPEARANCE BENEFITS
If death occurs as a result of exposure to the elements due to an accident, the death benefit will be paid if: such exposure could not be avoided; and the accident brought a forced landing, stranding, sinking or damaging of a transport on which such persons covered under this policy; and such exposure caused a loss covered by this policy.

If an insured person disappears due to an accident, benefits will be paid for loss of life if: the transport in which such person was riding disappears or sinks and the insured's body was not found within 52 weeks after such accident, or a court declares the person to be presumed dead due to a covered injury.

Enroll Now at Reasonable Rates

1. Select the total amount of coverage you want from the table below.

2. Fill out the enrollment form.

3. Mail the enrollment form and first annual payment to:

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

The above costs include a $2.00 billing fee.
Coverage greater than $50,000 will reduce to $50,000 at Age 70.
Coverage terminates at age 75.

Important Coverage Information

EFFECTIVE DATE AND TERMINATION
Your coverage goes into effect on the first day of the month following receipt of your enrollment form and the first annual premium payment. Members must be actively at work the date insurance is to take effect. If not, insurance will take effect when the member resumes work. Dependent must not be hospitalized on the date insurance is to take effect. If hospitalized, insurance will take effect on the day after being discharged.

Your policy continues in effect, up to age 75, unless you cease to be a NAPUS member, fail to pay premiums when due, cease to be actively at work (unless retired), or the group policy is terminated.

EXCLUSIONS
No benefits will be paid for any loss that results from or is caused directly, indirectly, wholly or partly by:

1. suicide; or intentionally self-inflicted injury;
2. insurrection; war or act of war;
3. a physical or mental sickness, or treatment of that sickness;
4. voluntary intake of poison, drugs, gas or fumes, unless taken as prescribed by a physician;
5. committing a crime, or an attempt to do so;
6. being intoxicated or under the influence of any drug, unless prescribed by a physician;
7. flight in any type of aircraft. This item applies only to:

• the pilot, whether licensed or unlicensed; and
• the members of the crew.

This is a brief summary of benefits only and is subject to the terms, conditions and limitations of Group Policy No. G-205,867. 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
(800) 221-3083

E-Mail address: mbc@massbenefits.com

Serving NAPUS members' insurance needs for over 30 years.

Underwritten by:
The United States Life Insurance Company
in the City of New York
3600 Route 66
P.O. Box 1580
Neptune, NJ 00754-1580

United States Life is an 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

ENROLLMENT APPLICATION

Eligible members of NAPUS and their spouses can apply for as much as $300,000 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.

The NAPUS Group Term Life Insurance Plan combines affordable 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. If approved, you will have provided them with a no-nonsense, affordable, term life insurance plan.

Who Can Apply?
Any NAPUS member, under the age of 60, who is actively at work can apply. A member must be actively at work on a full-time basis (30 or more hours per week) on the date his/her insurance is to take effect. If he/she is not, such insurance will take effect on the day the person resumes such activities.

You can also apply for coverage for your spouse and dependent children (15 days through age 20 or through age 24 if a full-time student). Dependents must be able to perform the normal activities of a person of like age, sex or retired status on the date the insurance is to take effect. If not, the insurance will take effect on the day the insured resumes such activities.

Affordable group rates.
The buying power of your NAPUS membership makes this insurance affordable. (You choose how much protection you need.) Member and Spouse can be covered from $25,000 to $300,000 in $25,000 increments. Children can be covered for $2,500 or $5,000.

NEW BENEFIT - Help Protect your family against inflation:
After six months of continuous coverage, you and your spouse can increase your original benefit amount by 10% on each policy anniversary date for the next 10 years (or until you reach age 70) provided you were medically underwritten and approved for coverage in the previous twelve months of the first offer. That means that if you start with $50,000 in coverage, you will have $100,000 of coverage 10 years from now. The maximum life insurance amount is $300,000. Premium increases with each offer accepted.
Complete details will be in your Certificate of Insurance.

Renewable to age 75 even if you retire.
As long as you make your payments on time, remain a member of NAPUS, and the master policy is in force, you can keep renewing your insurance until age 75. Coverage for your spouse and children will end when they cease to be eligible or when your coverage ends. However, if your coverage ends because of death, dependent coverage can continue provided the premium is paid and they remain eligible.

Group Conversion Privilege.
If your insurance ends for a reason other than your request, non-payment of premium before age 75, or receipt of an Accelerated Death Benefit, you have the privilege of converting your group coverage to an individual policy of permanent life insurance (other than term) from New York Life during the conversion period without further evidence of insurability.

All applications for conversion must be made within 31 days after the date the individual becomes entitled to exercise the conversion privilege.

Waiver of Premium.
If an insured member becomes totally disabled prior to age 60, all premiums after six months of continuous disability will be waived and the insurance will continue in effect. Complete details will be in your Certificate of Insurance.

An Accelerated Death Benefit*.
This attractive benefit provision is available to insureds under the age of 70. If you are diagnosed by a physician to be terminally ill, and have 12 months** or less to live, you may elect to receive up to 50% of your group life insurance benefit. The remaining benefit then becomes payable to your beneficiary after your death.

Complete details will be available in the Certificate of Insurance. Receipt of this benefit may affect eligibility for public assistance programs and may be taxable. Prior to applying you should consult with the appropriate social services agency and your tax advisor.

* Not available to Residents of Massachusetts
** 24 months for Residents of Illinois.

Current 2009 Group Term Life Rates
Semi-Annual (Per $25,000 Unit Coverage)
(Member or Spouse)

* 60+ rates are for renewal only. Upon attainment of age 70, benefits will reduce 50%.
Coverage terminates at age 75.

1 Preferred rates are for non-tobacco users.
2 Standard rates are for tobacco users.

Notes:

• "Age" means attained age at the time of application.
• Premiums increase as the insured enters a new age bracket.
• Maximum coverage is $300,000 including any other coverage you may have through the NAPUS Group Term Life Plan
• Premium for a spouse is based on the spouse's attained age. Spouse coverage may not exceed the member's coverage.
• Preferred rates are available to anyone who has not used tobacco or nicotine products in the 12 months preceding application.
• An administrative fee of $2.00 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. Request 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.
NAPUS Administrator
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. Payment of premium contributions with your application does not mean that there is any insurance in force before the effective date as determined by New York Life.

All dependent children (regardless of how many) may be insured for one payment of $1.25 per $2,500 unit of coverage - maximum of two units for each child 15 days through age 20; through age 24 if a full-time student.

Effective Date
Coverage becomes effective on the first day of the month coinciding with, or immediately following, the date your request for coverage is approved by New York Life Insurance Company, and the full premium for the insurance is received.

Benefits and Exclusions
New York 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 coverage. Residents of Missouri: Benefits will not be paid for suicide within the first two years if New York Life can show that suicide was intended at time of application. You name your beneficiary. You are the automatic beneficiary for dependent coverage.

Important Notice:

How New York Life Obtains Information and Underwrites Your Request Group Life Insurance

Information regarding insurability will be treated as confidential. In considering your request for insurance, we will rely on the medical information you provide, and on the information you authorize us to obtain from your physician, other medical practitioners and facilities, other insurance companies to which you have applied for insurance and MIB, Inc. (formerly known as Medical Information Bureau). MIB and other insurance companies may also furnish New York Life, its subsidiaries or the Plan Administrator with non-medical information (such as driving records, past convictions, hazardous sport or aviation activity, use of alcohol or drugs, and other applications for insurance). The information provided may include information that may predate the time frame stated on the medical questions section, if any, on this application. This information may be used during the underwriting and claims processes, where permitted by law.

Your AUTHORIZATION may be used for a period of 24 months from the date you signed the application for insurance, unless sooner revoked. The AUTHORIZATION may be revoked at any time by notifying the Administrator in writing at the address provided. Your revocation will not be effective to the extent New York Life or any other person already has disclosed or collected information or taken other action in reliance on it, or to the extent that New York Life has a legal right to contest a claim under an insurance certificate or the certificate itself. The information New York Life obtains through your AUTHORIZATION may become subject to further disclosure. For example, New York Life may be required to provide it to insurance, regulatory or other government agencies. In this case, the information may no longer be protected by the rules governing your AUTHORIZATION.

New York Life may release this information to the Plan Administrator, MIB, other insurance companies to whom you may apply for insurance, or to whom a claim for benefits may be submitted and to others whom you authorize in writing. However, this will not be done in connection with information concerning Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV).

New York Life will not disclose such information to anyone except those you authorize or where required or permitted by law. We may make a brief report to MIB; however, we will not disclose our underwriting decision. Information in our files may be seen by New York Life and Plan Administrator employees, but only on a "need to know" basis in considering your request. Upon receipt of all requested information, we will make a determination as to whether your request for insurance can be approved.

MIB is a not-for-profit organization of insurance companies, which operates an information exchange on behalf of its members. When you apply for insurance or submit a claim for benefits to a MIB member company, medical or non-medical information may be given to the Bureau, which may then be furnished to member companies.

If we cannot provide the coverage you requested, we will tell you why. If you feel our information is inaccurate, you will be given a chance to correct or complete the information in our files. Upon written request to New York Life or MIB, you will be provided with non-medical information. Generally, medical information will be given either directly to the proposed insured or to a medical professional designated by the proposed insured. Your request is handled in accordance with the Federal Fair Credit Reporting Act procedures. If you question the accuracy of the information provided by MIB, you may contact MIB and seek a correction. MIB's information office is: MIB, Inc., 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734, telephone (866) 692-6901 (TTY 866-346-3642). For Canadian residents, the address is: MIB Information Office, 330 University Avenue, Suite 501, Toronto, Ontario, Canada M5G 1R7, telephone (416) 597-0590. Information for consumers about MIB may be obtained on its website at www.mib.com.

This summary is a brief summary of benefits only and is subject to the terms, conditions and limitations of Group Policy No. G-29295-0. Complete details can For NM Residents: PROTECTED PERSONS 1 have a right of access to certain CONFIDENTIAL ABUSE INFORMATION 2 we maintain in our files and they may choose to receive such information directly. You have the right to register as a PROTECTED PERSON by sending a signed request to the Administrator at the address listed on the application. Please include your full name, date of birth and address.

1 PROTECTED PERSON means a victim of domestic abuse: who has notified us that he/she is or has been a victim of domestic abuse; and who is an insured person or prospective insured person.

2CONFIDENTIAL ABUSE INFORMATION means information about: acts of domestic abuse or abuse status; the work or home address or telephone number of a victim of domestic abuse; or the status of an applicant or insured as family member, employer or associate of a victim of domestic abuse or a person with whom an applicant or insured is known to have a direct, close, personal, family or abuse-related relationship.

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

Underwritten by:
New York Life Insurance Company
51 Madison Avenue
New York, New York 10010

New York Life Insurance Company has received the highest possible ratings for financial strength from some of the industry’s principal rating entities: A.M. Best A++ (Superior), Fitch Ratings (AAA), Moody’s Investors Service (Aaa) and Standard and Poors (AAA).*

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

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