All IMA members under age 70 may apply for coverage for themselves and their spouse under age 70. Members can apply for a life insurance amount of $5,000 to $50,000 (in increments of $1,000). The coverage is available only to residents of the United States and may not be available in all states. Please contact the administrator for details.
You don’t need a medical exam. You don’t need to have your doctor send in your medical records. All it takes is satisfactorily answering to the insurer the questions on the enclosed Application.
You may return your Certificate of Insurance within 30 days if you are not completely satisfied with the coverage this Plan provides. Any premiums paid will be fully refunded provided no claims have been submitted or paid.
Automatic Monthly Check Withdrawal: Choose to have your premiums automatically deducted from your checking account on a monthly basis. Direct Bill: Choose to have your premiums billed to you directly on a quarterly, semiannual or annual basis.
The Accelerated Life Benefit option is available to help terminally ill insureds during a difficult, and often financially challenging, time. Under this provision, you may request one advance payment equal to 80% of your in force life insurance up to $40,000 to be paid while the terminally ill person is still alive. The amount of insurance payable after death will be reduced by this payment.
Yes. Benefits will not be paid if the member’s or dependent’s death occurs from suicide within the two years of the effective date of their insurance or increase in insurance starts. The AD and Accelerated Life benefits are subject to additional exclusions. Please see your certificate for details.
Your coverage can continue as long as you pay your premium when due, have not reached age 90, remain in an eligible class, the insurance continues for your class, and the group policy remains in force. Please see the certificate of insurance for details.
Member's Age |
Male Rates |
Female Rates |
Under 35 |
1.51 |
1.25 |
36-40 |
1.69 |
1.40 |
41-45 |
1.88 |
1.56 |
46-50 |
2.82 |
2.34 |
51-55 |
3.26 |
2.71 |
56-60 |
4.11 |
3.38 |
61-65 |
5.00 |
3.86 |
66-70 |
6.09 |
4.66 |
71-75* |
8.52 |
6.66 |
76-80* |
13.81 |
10.80 |
81-85* |
22.41 |
17.51 |
86-89* |
36.35 |
28.40 |
*Renewal only.
Premiums are based on your age and will increase as you enter a new age bracket. Premiums will only be increased if premiums are increased for all insureds in the same age and rate class2. Coverage will become effective the 1st day of the month after the application is approved by MetLife. To obtain a rate quote for other ages, benefit amounts, or for information on the other IMA plans, call toll-free 1-800-448-3436.
The member must be covered for benefits in order for dependents to be covered. On the date member life insurance is scheduled to take effect, the Member must not be: Confined at home under a physician’s care; Receiving or applying to receive disability benefits from any source; or Hospitalized. “Hospitalized” means admission for inpatient care in a hospital. It includes receipt of care in a hospice facility, an intermediate care facility or a long term care facility. It also includes outpatient hospital care for chemotherapy, radiation therapy or dialysis treatment. If the member does not meet this requirement on such date, insurance for the member will take effect on the date they are no longer: Confined; Receiving or applying to receive disability benefits; or Hospitalized.
Will Preparation Services3
Offers you and your spouse/domestic partner unlimited face-to-face or telephone meetings with an attorney, from MetLife Legal Plans’ network of over 18,500 participating attorneys, to prepare or update a will, living will, and Power of Attorney.
Estate Resolution Services3
Estate representatives and beneficiaries may receive unlimited face-to-face legal assistance with probating your and your spouse/domestic partner’s estate. Beneficiaries can also consult an attorney, from MetLife Legal Plans’ network of over 18,500 participating attorneys, for general questions about the probate process.
Grief Counseling4
Provides you and your dependents up to five private counseling sessions with a professional grief counselor — per event — to help cope with a loss, no matter the circumstances, whether it’s a death, an illness or divorce. Sessions may also be held over the phone.
Funeral Planning Assistance4
Services designed to simplify the funeral planning process for your loved ones and beneficiaries to assist them with organizing an event that will honor a loved one’s life from a self-paced funeral planning guide to services such as locating funeral homes, florists and local support groups.
30-DAY FREE LOOK |
| If you're not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days. Your coverage will be invalidated, and you will be sent a full refund, no questions asked! |
1. The Accelerated Benefits Option is subject to state regulation and is intended to qualify for favorable federal income tax treatment, in which case the benefits will not be subject to federal income taxation. This information was written as a supplement to the marketing of life insurance products. Tax laws relating to accelerated benefits are complex and limitations may apply. You are advised to consult with and rely on an independent tax advisor about your own particular circumstances. Receipt of accelerated benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of accelerated benefits will have on public assistance eligibility for you, your spouse or your family.
2. The group contract provides MetLife with the right to adjust the rates and/or the rate guarantee period should overall group participation change significantly.
3. Will Preparation and MetLife Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, Rhode Island. Tax Planning and preparation of Living Trusts are not covered by the Will Preparation Service. Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.
4. Grief Counseling and Funeral Assistance services are provided through an agreement with TELUS Health. TELUS Health is not an affiliate of MetLife, and the services TELUS Health provides are separate and apart from the insurance provided by MetLife. TELUS Health has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. The Grief Counseling program does not provide support for issues such as: domestic issues, parenting issues, or marital/relationship issues (other than a finalized divorce). For such issues, members should inquire with their human resources department about available company resources. This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred. Services are not available in all jurisdictions and are subject to regulatory approval. Not available on all policy forms.
Life and AD coverages are provided under a group insurance policy issued to your plan sponsor by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY on Policy Form GPN99/G2130-S. Life and AD coverages under your plan terminate when your Life and AD contributions cease, or upon termination of the group insurance policy. Dependent Life coverage will terminate when a dependent no longer qualifies as a dependent or when a dependent spouse reaches age 90. Should your life insurance coverage terminate, for reasons other than non-payment of premium, you may convert it to a MetLife individual permanent policy without providing medical evidence of insurability.
This summary provides an overview of your plan’s benefits. These benefits are subject to the terms and conditions of the contract between MetLife and your Plan Sponsor and are subject to each state’s laws and availability. Specific details regarding these provisions can be found in the booklet certificate.
Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact your plan administrator AMBA, at 1-800-448-3436 or by email at: [email protected] for costs and complete details.
This is a paid endorsement. The IMA receives a fee from the insurance broker and/or the insurer for its endorsement of this plan.
MetLife and the M logo are registered marks of Metropolitan Life Insurance Company.
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We're here to help! Please contact us in whatever manner is most convenient for you.
| Address AMBA 4050 114th Street Urbandale, Iowa 50322 |
|---|
| Phone 1-800-448-3436 |
| Hours M-F 7:30a-4:30p CT |
| Email [email protected] |
| Application Mailing Address IMA Group Insurance Program PO BOX 14533 DES MOINES, IA 50306 |
| Underwriting Company Metropolitan Life Insurance Company 200 Park Avenue New York, NY 10166 |