To enroll, simply complete the Enrollment Form, including the Beneficiary Designations, and return it as instructed.

After the date your Group Life insurance becomes effective, you will receive a Certificate, which details your plan provisions.

Help Protect the Most Important People in Your Life ...

Life is full of pleasant surprises and at the same time, life holds many uncertainties. It's easier to plan for happy events you know will occur, such as buying a home, paying for a wedding or saving for college tuition costs, than to plan for the unexpected - a serious accident or death.

For these times, it's important that you have enough life insurance coverage for you and your family. Your current life insurance plans may not offer enough protection.

Together with S.O.A., AXA Equitable Life Insurance Company offers you the opportunity to purchase additional term life insurance, which can help further safeguard your earnings and cover your financial obligations in the event of your death.

... by participating in AXA Equitable Life Insurance Company's voluntary group term life plans.

• Choice Coverage - AXA Equitable Life Insurance Company's plan offers you the opportunity to obtain additional life insurance protection and to choose the level of coverage that's right for you.
• Guaranteed Coverage - You can obtain coverage under most AXA Equitable Life Insurance Company's plans without providing any medical information when you enroll within a specified period.
• Group Rates - AXA Equitable Life Insurance Company's plan is available to you at group rates, which may be lower than individual rates.
• Convenient Payroll Deduction - Your premium contributions are deducted from your paycheck, so there's no check writing or mail delays.
• Coverage After Retirement- Coverage is available through a pension deduction at the same rates as active members until age 70, when the coverage terminates.
• Coverage Conversion - If your membership ends, other than retirement your coverage may be converted to an individual AXA Equitable Life Insurance Company policy.
• Peace of Mind - Having a plan for the unexpected can give both you and your family peace of mind. Please review the information in this kit so you can make an informed decision about participating in this program

What Does This Plan Offer My Family and Me?

• Coverage is available for $80,000, $135,000 or $165,000 of protection.
• No evidence of good health is required if you enroll during the open enrollment period or within 31 days of your date of eligibility.
• The"Accelerated Death Benefit Rider" allows for an early payment of 50% up to $50,000 if you are terminally ill with a life expectancy of 12 months or less. Your death benefit will be reduced by the amount you elect under this provision.
• Payment of premium can be waived if you are totally disabled for 6 months, you are less then 60 years old when the disability begins, and you continue to be totally disabled.
• The amount of insurance reduces 35% at age 65, plus an additional 25% at age 70 and 20% at age 75.
• Coverage will end on your termination of employment. You may convert your insurance to a AXA Equitable Life Insurance Company individual life insurance policy. Dependent Term Life Insurance 100% Member Paid

Spouse Coverage 

• Coverage is available.for $10,000.
• No evidence of good health is required if you enroll during the open enrollment period or within 31 days of your date of eligibility.
• If your spouse is confined for medical care or treatment at home or elsewhere, coverage will begin when confinement ends.
• Coverage will end on your termination of employment. Insurance may be converted to a AXA Equitable Life Insurance Company individual life insurance policy.

Child Coverage 

• Dependent Term Life coverage has one premium rate that covers all eligible children
• Coverage is available for $4,000 for all your children from 14 days of age.
• No evidence of good health is required.
• If your dependent children are confined for medical care or treatment at home or elsewhere, coverage will begin when confinement ends.
• Coverage begins at 14 days and continues to age 19, if unmarried. If the child is unmarried, dependent on you and a full-time student, coverage continues to age 26.
• Coverage will end on your termination of employment. Insurance may be converted to a AXA Equitable Life Insurance Company individual life insurance policy. *Important Notice: Tax laws relating to acceleration of life benefits are complex. Your are advised to consult with a qualified tax advisor about circumstances under which you could receive acceleration of life insurance benefits that are excludable from income under federal laws.

Benefits are paid at certain percentages of your coverage amount for specific accidental losses, as indicated in the chart below. Not more than 100% of your coverage amount, is payable for all losses due to the same accident.

LOSSES

	Life	100%	One hand or one foot	50%
	Sight in both eyes	100%	Sight in one eye	50%
	Both hands or both feet	100%	Speech	50%
	One hand & one foot	100%	Hearing in both ears	50%
	Sight in one eye & one hand or one foot	100%	Thumb & index finger on the same hand	25%
	Speech & hearing in both ears	100%

Seat Belt/Airbag Benefit - The plan pays an additional benefit of 10% of your coverage amount.

Air Bag Benefit - The plan pays an additional benefit of 10% of your coverage amount. The total maximum benefit payable is $100,000.00

Exclusions - A loss is not covered if it results from suicide or attempted suicide; intentionally self-inflicted injuries or an attempt at same; sickness; medical or surgical treatment of sickness; act of war; certain full-time military duty; commission of, or attempt to commit a felony; intoxication or drug use; injury rising out of, or in the course of any work for wage or profit, certain travel or flight in a vehicle used for aerial navigation.

• Your coverage amount is equal to your Optional Term life coverage amount.
• Benefits are paid in addition to Optimal Term Life benefits.
• The amount of insurance reduces 35% at age 65 plus an additional 25% at age 70 and 20% at age 75.
• Coverage will end on termination of membership other than retirement. Important notice

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department.
IMPORTANT NOTICE - THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

Coverage is provided through Group Life Insurance Policy, and Group Accident Policy GL-677675. This brochure is intended to be a summary of your benefits and does not include all plan provisions, exclusions and limitations. A Certificate, with complete plan information, including limitations and exclusions, will be provided. If there is a discrepancy between this document and the Group Contract