cancer, heart/stroke, and term life insurance plus group...

What if you suff ered from a heart attack or the loss of a loved one...

could you pay for your out-of-pocket treatment expenses, plus cover daily living expenses?

CARCAR HOMEGROCERIES

PRESCRIPTIONS

Cancer, Heart/Stroke, and Term Life Insurance plus Group Life InsuranceHelps cover costs associated with cancer, heart attack,

stroke, heart disease, or the loss of a loved one.ABJ4966X

GROCERIES

y g e

HOME RESCRIPTIONS

of 16

Voluntary insurance benefi ts off ered to

Tennessee State Employees Associationwww.tseaonline.org

Servicing Agent

Federated Marketing, Inc.

1-800-880-6542

www.federatedmarketing.com

of 16 ABJ4966X

cancerCancer coverage from Allstate Benefits provides cash benefits for cancer and 20 specified diseases, and can help

cover the costs of treatments and expenses as they happen.

Receiving a diagnosis of cancer or a specifi ed disease can be diffi cult on anyone, both emotionally and fi nancially. Having

the right coverage to help when undergoing treatments is important. Our cancer coverage can help provide added

fi nancial security when it is needed most.

Cancer coverage can help offer peace of mind when a diagnosis of cancer or a specified disease occurs. Below is an

example of how benefi ts might be paid.*

benefi t coverage highlightsCancer and specified disease benefits can help cover the costs of

specific treatments and expenses as they happen. Terms and

conditions for each benefi t may vary by state.

20 Specifi ed Diseases Covered - Muscular Dystrophy, Poliomyelitis,

Multiple Sclerosis, Encephalitis, Rabies, Tetanus, Typhoid Fever,

Bubonic Plague, Tuberculosis, Osteomyelitis, Diphtheria, Scarlet Fever,

Epidemic Cerebrospinal Meningitis, Undulant Fever, Sickle Cell Anemia,

Rocky Mountain Spotted Fever, Smallpox, Addison’s Disease, Hansen’s

Disease, Tularemia.

RIDER BENEFIT

Cancer Initial Diagnosis Level Benefi t (CLR1) - Pays a one-time

benefi t when you are diagnosed for the fi rst time with cancer (other

than skin cancer).

RADIATION/CHEMOTHERAPY BENEFITS

Radiation Therapy, Radio-Active Isotopes Therapy, Chemotherapy

and Immunotherapy - Pays a benefi t for covered treatment to destroy

or modify cancerous tissue.

Blood, Plasma and Platelets - Pays a benefi t for blood, plasma and

platelets. Includes charges for transfusions, administration, processing,

procurement and cross matching.

meeting your needsOur cancer coverage off ers you and your

family 24/7 protection from cancer and

specifi ed disease.

Here’s what you get: • Coverage for Cancer and 20 other

specifi ed diseases

• Benefi ts that are paid in addition to any

other insurance you may have, and as

costs are incurred for treatment

• Can be used for non-medical expenses

health insurance might not cover

• Guaranteed renewable for life, subject to

change in premiums by class

• Premiums do not increase due to age

• Waiver of premium after 90 days of

disability due to cancer for as long as

your disability lasts**

** primary insured only

Jane undergoes her annual wellness test and is diagnosed with cancer.

Our cancer insurance policy paid Jane the following:

Wellness Exam $ 100

Cancer Initial Diagnosis $ 5,000

Second Opinion $ 200

Hospital Confi nement $ 600

Surgery $ 3,000

Anesthesia $ 750

Radiation/Chemo $ 10,000

Inpatient Medicine $ 30

Private Nursing $ 300

Physician Attendance $ 90

Non-Local Transportation $ 315

Jane chooses benefi t coverage under her

Employer Approved Plan

0

0

0

0

0

5

Jane gets a second surgical opinion and

undergoes pre-op testing.

In Hospital

Jane is admitted to the hospital,

undergoes inpatient surgery,

anesthesia, private nursing, radiation/

chemo, and is visited by a doctor during

a 3-day hospital stay.

Out of Hospital

Every 2 weeks Jane has radiation/

chemo 120 miles from her home and a

family member drives her to her

appointments. Total Benefi ts: $20,385

*The example shown may vary from the plan your employer is off ering. Your individual experience may also vary.

Please see page 4 for your plan details.

ABJ4966X of 16

*Assistant and cosurgeons are not covered. Two or more surgical procedures done at the same time,

through one incision, are considered one operation. The operation with the largest benefi t will be paid.

SURGERY AND RELATED BENEFITS

Inpatient Surgery* - Pays a benefi t for an inpatient

operation.

Outpatient Surgery*- Pays a benefi t for an outpatient

operation.

Second Surgical Opinion - Pays a benefi t when you get a

second surgical opinion.

Anesthesia - Pays for an anesthesiologist. Maximum of

$100 for skin cancer.

Ambulatory Surgical Center - Pays a daily benefi t for

surgery at an ambulatory surgical center.

HOSPITAL CONFINEMENT BENEFITS

Hospital Confi nement - Pays a daily benefi t for inpatient

confi nement up to 70 days.

Extended Hospital Confi nement - Pays a daily benefit

when continuously confi ned in a hospital for more than

70 days. In lieu of all other benefi ts.

Government or Charity Hospital - Pays a daily benefi t for

inpatient confi nement to a U.S. government hospital

(including Veteran’s Administration) or a hospital that

does not charge for its services. In lieu of all other

benefi ts.

Private Duty Nursing Services - Pays a daily benefit

when you require physician-authorized private

nursing services while a hospital inpatient.

Extended Care Facility - Pays a daily benefi t for care at an

extended care facility (within 14 days of a hospital stay).

At Home Nursing - Pays a daily benefit for physician-

authorized private nursing care (within 14 days of a

hospital stay).

LODGING AND TRANSPORTATION BENEFITS

Ambulance - Pays a benefit for transfer by ambulance

service to or from a hospital.

Non-Local Transportation - Pays a benefi t for

transportation when you have treatment not available

locally (limit 700 miles).

Family Member Transportation - Pays a benefi t when

you are an inpatient at a non-local hospital for specialized

treatment (limit 700 miles). Not paid if family member

lives in the same town and car mileage is paid under

non-local transportation.

Family Member Lodging - Pays a daily benefit when

one adult family member accompanies you to receive

treatment at a non-local hospital (more than 100

miles from family member’s home), up to 60 days.

Outpatient Lodging - Pays a daily benefit when you are

receiving radiation or chemotherapy on an outpatient

basis non-locally (more than 100 miles from home).

MISCELLANEOUS BENEFITS

Hospice Care (Freestanding Hospice Care Center or

Hospice Care Team) - Pays a daily benefit when your

physician approves and determines terminal illness requires

hospice care at home or in a freestanding hospice care

center (within 14 days of hospital confi nement).

Inpatient Drugs and Medicine - Pays a daily benefi t when

you receive drugs and medicine while a hospital inpatient.

Physician’s Attendance - Pays a daily benefit for one

visit a day by one physician while a hospital inpatient.

New or Experimental Treatment - Pays a benefit for

physician-approved new or experimental treatments.

Stem cell transplants are covered under this benefi t.

Physical or Speech Therapy - Pays a daily benefit for

physical or speech therapy to restore normal body function.

Prosthesis - Pays a benefit for a prosthetic device that

requires surgical implanting.

Skin Cancer - Pays a benefit for removal of skin cancer

diagnosed by a doctor who is not a pathologist.

Premium Waiver (primary insured only) - Pays your

premiums after 90 days in a row of disability due to

cancer, for as long as disability lasts.

ADDITIONAL RIDER BENEFIT

Wellness Benefit (WBR5) - Pays a yearly benefit for

one of the following tests: Biopsy for skin cancer; Bone

Marrow Testing Blood tests for triglycerides, CA15-3

(breast cancer), CA125 (ovarian cancer), CEA (colon

cancer), and PSA (prostate cancer); Chest X-ray;

Colonoscopy; Doppler screening for carotids; Doppler

screening for peripheral vascular disease; Echocardiogram;

EKG; Flexible sigmoidoscopy; Hemocult stool analysis;

HPV (Human Papillomavirus) Vaccination; Lipid panel

(total cholesterol count); Mammography, including

Breast Ultrasound; Pap Smear, including ThinPrep Pap

Test; Serum Protein Electrophoresis (test for myeloma);

Stress test on bike or treadmill; Thermography; and

Ultrasound screening for abdominal aortic aneurysms.

OPTIONAL RIDER BENEFIT

Hospital Intensive Care (ICR2) - Pays a daily benefit for

intensive care and ambulance transportation. Ambulance

ICR benefi t is not paid if the base policy ambulance benefi t

is paid.

of 16 ABJ4966X

RIDER BENEFIT Basic EnhancedCancer Initial Diagnosis Level Benefi t $2,5001 $5,0001

RADIATION/CHEMOTHERAPY BENEFITS Radiation Therapy, Radio-Active Isotopes Therapy, Chemotherapy, and Immunotherapy* $5,0002 $10,0002

Blood, Plasma, and Platelets* $5,0002 $10,0002

SURGERY AND RELATED BENEFITS Inpatient Surgery* $1,500 $3,000

Outpatient Surgery* $2,250 $4,500

Second Surgical Opinion* $200 $200

Anesthesia* (% of surgery) 25%3 25%3

Ambulatory Surgical Center* (per day) $250 $250

HOSPITAL CONFINEMENT BENEFITS Hospital Confi nement (per day) $100 $200

Extended Hospital Confi nement* (per day) $100 $200

Government or Charity Hospital (per day) $100 $100

Private Duty Nursing Services* (per day) $100 $100

Extended Care Facility* (per day) $100 $100

At Home Nursing* (per day) $100 $100

LODGING AND TRANSPORTATION BENEFITS Ambulance* $100 $200

Non-Local Transportation (Coach Fare or amt. per mile) $0.40 $0.40

Family Member Transportation (Coach Fare or amt. per mile) $0.40 $0.40

Family Member Lodging* (per day) $50 $100

Outpatient Lodging* (per day) $504 $1004

MISCELLANEOUS BENEFITSHospice Care* (per day) $100 $100

Inpatient Drugs and Medicine* (per day) $10 $10

Physician’s Attendance* (per day) $20 $30

New or Experimental Treatment* $5,0002 $10,0002

Physical or Speech Therapy* (per day) $25 $25

Prosthesis* $2,0005 $2,0005

Skin Cancer* $606 $1207

Colorectal Cancer Screening Actual cost Actual cost

Premium Waiver Yes Yes

ADDITIONAL RIDER BENEFIT Basic EnhancedWellness (per year) $100 $100

OPTIONAL RIDER BENEFIT Basic + ICU Enhanced + ICUHospital Intensive Care (+Ambulance) (per day) $3008 $3008

Listed above are benefi t amounts associated with the benefi ts described in this brochure.

* Pays for charges/costs up to amount listed. 1 One-time benefi t. 2 Per 12 mos. 3 $100 for Skin Cancer. 4 Limit $4,000 per 12 mo. period.

5 Per amputation. 6 For fi rst removal. $30 each additional removal. 7 For fi rst removal. $60 each additional removal. 8 Reduces to $150 at age 70. Pays

charges for transportation to ICU. Ambulance ICR Benefi t not paid if the base policy ambulance benefi t is paid.

Issue Ages: 18-64

premiums

Monthly Basic $14.57 $24.31

Monthly Enhanced $22.35 $38.63

MODE PLAN EMPLOYEE FAMILY

Monthly Basic + ICU $17.57 $30.30

Monthly Enhanced + ICU $25.35 $44.62

MODE PLAN EMPLOYEE FAMILY

ABJ4966X of 16

Now Is The Time...Don’t wait for a diagnosis

Being diagnosed with cancer can be one of the most frightening

experiences anyone has to face, especially if you are unprepared.

The out-of-pocket costs associated with cancer treatment

may reduce your fi nances. Don’t wait for a diagnosis to decide

you need coverage, because by that time it will be too late.

Get the protection you need today, and rest easy knowing

you are protected in the event you are diagnosed.

Budget friendly

Sometimes, receiving proper cancer treatment is diffi cult if

money is tight. That’s where we can help. Your employer has

worked with us to create a supplemental benefit package

that can fi t your needs and work within your budget.

Our supplemental insurance can help you

and your family cover expenses for cancer

and specifi ed disease treatments if a

diagnosis occurs.

It’s never too early to prepare

for the future.

of 16 ABJ4966X

meeting your needsOur coverage can help provide financial

support when a heart attack, heart disease

or stroke occurs.

Here’s what you get:

• Pays you benefi ts that can be used for

non-medical expenses that health

insurance might not cover

• Benefi ts are paid as you go to help cover

the costs of specifi c treatments and

expenses as they happen

• Supplemental coverage; it pays in

addition to other insurance you may

have, such as medical and disability

• Guaranteed renewable for life, subject

to change in premiums by class

• Coverage for yourself or your

entire family

your benefi t coverage††

HOSPITALIZATION AND RELATED BENEFITS

Hospital Confi nement – Pays a daily benefi t for inpatient confi nement

due to heart attack, heart disease or stroke.

Physician’s Attendance – Pays a daily benefi t for one inpatient visit.

Inpatient Drugs and Medicine – Pays a daily benefi t for inpatient

drugs and medicine.

Private Duty Nursing Services* – Pays a daily benefi t when receiving

physician-authorized inpatient private nursing services.

Physiotherapy* – Pays a benefit for physiotherapy by a licensed

physical therapist during a covered hospital stay.

Oxygen** – Pays a benefit for oxygen equipment during a covered

hospital stay.

Cardiograms** – Pays a benefit for an electro, echo, phono, or

vectorcardiogram required during a covered hospital stay.

Cerebral or Carotid Angiogram** – Pays a benefit for a cerebral

or carotid angiogram required during a covered hospital stay.

heart/strokeNo one likes to think about getting heart disease. While you may not be able to prevent the disease, HeartCare Plus and

HeartCare Direct (HSP2) from Allstate Benefi ts can help protect you and your family from its costs.

It’s probably crossed your mind that you or your family may need treatment some day for heart disease or stroke. And you

may have thought about the ways it would aff ect your life and your loved ones. But have you considered how cardiovascular

diseases could impact your fi nancial security?

Heart/Stroke coverage can help off er peace of mind if you have a heart attack, stroke, or are diagnosed with heart disease.

Below is an example of how benefits might be paid.†

*Maximum of 60 days per confinement.

**Maximum of 1 payment per confinement.

††Benefit amounts are shown on page 8.

See page 14 for conditions and limits and page 15 for state variations.

Jane suff ers a mild heart

attack and is taken to the

hospital by ambulance.

Our insurance policy paid Jane the following:

Ambulance $ 200

Hospital Confi nement $ 600

Physician's Attendance $ 75

Coronary Angioplasty $ 750

Pacemaker Insertion $ 1,000

Private Duty Nursing $ 300

Jane chooses benefit coverage from the

Plan Benefi ts Off ered

A physician in the emergency room runs

several heart-related tests, and the results

show she needs an angioplasty and pacemaker

surgery. Jane is admitted for a 3-day hospital

stay, she is seen by her physician and receives

private nursing services.

Jane’s prognosis is good and she is expected

to make a full recovery.

Total Benefi ts: $2,925

†The example shown may vary from the plan your employer is off ering. Your individual experience may also vary.

Please see page 8 for your plan details.

ABJ4966X of 16

TRANSPORTATION AND LODGING BENEFITS

Ambulance – Pays a benefit for transfer to or from a hospital.

Non-Local Transportation** – Pays a benefi t for transportation

for physician-prescribed treatment not available locally (more

than 100 miles from home).

Family Member Lodging* and Transportation** – Pays a benefit

for lodging and transportation for one adult family member to

accompany you when you have physician-prescribed treatment at

a hospital or treatment center more than 100 miles from the family

member's home.

OPTIONAL RIDER BENEFIT

Hospital Intensive Care – Pays a daily benefi t for intensive-care

unit confi nements for any covered sickness or accident (up to 45

days for each stay), and ambulance transportation to a hospital

intensive-care unit.

SURGERY AND RELATED BENEFITS

Blood, Plasma and Platelets** – Pays a benefit

for blood, plasma, or platelets during a covered

hospital stay.

Cardiac Catheterization – Pays a benefit for a

cardiac catheterization.

Pacemaker Insertion – Pays a benefi t for the initial

insertion of a permanent pacemaker.

Thromboendarterectomy – Pays a benefit for

a thromboendarterectomy.

Heart Transplant – Pays a benefit for the

implantation of a natural human heart. Payable

once per covered person.

Coronary Angioplasty – Pays a benefi t for a coronary

angioplasty, regardless of the number of blood

vessels repaired during the procedure.

Coronary Artery Bypass Graft Operation – Pays

a benefit for a coronary artery bypass graft,

regardless of the number of grafts performed

during the operation.

Second Surgical Opinion – Pays a benefit for a

second opinion.

Surgery and Anesthesia – 1. Surgery - Pays a benefi t

for an inpatient or outpatient operation listed in the

Policy Surgical Schedule. 2. Anesthesia - Pays 25%

of surgery benefi t. 3. Ambulatory Surgical Center -

Pays when surgery benefi t is paid for surgery at an

ambulatory surgical center. These benefi ts do not

pay for surgeries covered by other benefi ts.

*Maximum of 60 days per confinement.

**Maximum of 1 payment per confinement.

Heart Disease tests You're admitted

to the hospitalcoveredYou get paid

a cash benefi t

Cardiogram

tests received

C

tOctober

18

of 16 ABJ4966X

HOSPITALIZATION AND RELATED BENEFITS Basic Enhanced

Hospital Confi nement (daily) $100 $200

Physician’s Attendance (daily) $12.50 $25

Inpatient Drugs and Medicine (daily) $12.50 $25

Private Duty Nursing Services (daily) $50 $100

Physiotherapy (daily) $25 $50

Oxygen $100 $200

Cardiograms $50 $100

Cerebral or Carotid Angiogram $75 $150

SURGERY AND RELATED BENEFITS Basic Enhanced

Blood, Plasma and Platelets $100 $200

Cardiac Catheterization $250 $500

Pacemaker Insertion $500 $1,000

Thromboendarterectomy $1,250 $2,500

Heart Transplant $50,000 $100,000

Coronary Angioplasty $375 $750

Coronary Artery Bypass Graft Operation $1,250 $2,500

Second Surgical Opinion $50 $100

Surgery and Anesthesia 1. Surgery 1. $2,500 max. 1. $5,000 max. 2. Anesthesia 2. 25% 2. 25% 3. Ambulatory Surgical Center 3. $125 3. $250

TRANSPORTATION AND LODGING BENEFITS Basic Enhanced

Ambulance Non-Air Ambulance $100 $200 Air Ambulance $200 $400

Non-Local Transportation $100 $200

Family Member Lodging (daily) $25 $50

Family Member Transportation $100 $200

OPTIONAL RIDER BENEFIT Basic + ICU Enhanced + ICU

Hospital Intensive Care Rider Hospital Intensive Care Confi nement Benefi t (daily)9 $300 $300 Ambulance Benefi t actual charges actual charges

9 At age 70, reduces to $150/day

premiums

Monthly Basic + ICU $12.28 $23.92

Monthly Enhanced + ICU $21.26 $41.24

Monthly Basic $8.98 $17.32

Monthly Enhanced $17.96 $34.64

MODE PLAN EMPLOYEE FAMILY MODE PLAN EMPLOYEE FAMILY

Issue Ages: 18-64

ABJ4966X of 16

Don’t wait for a sign...A heart attack or stroke can happen unexpectedly and can be

costly, especially if you are fi nancially unprepared. Your current

medical coverage will help pay for expenses associated with

a heart attack or stroke, but won’t cover all of the out-of-pocket

expenses you may face. Don’t wait until you are rushed to the

emergency room to realize you need more protection.

Start thinking about the future of your finances today and

plan for emergencies that might comes your way. You can

rely on our insurance to help provide the fi nancial assistance

you need, when you need it most so you can focus on the

challenges of recovery.

If you suffer a heart attack or stroke,

would you be able to handle the extra

expenses associated with your recovery?

It’s never too early to prepare

for the future.

of 16 ABJ4966X

What if your life or the life of your loved one was cut short by an

unexpected death or terminal illness during the next 20 years, how

would you or your spouse and children survive financially?

Would you be able to afford your mortgage? If you have children

would they require child care and/or money to pay for their daily living

expenses such as, food, clothing, tuition and college education? And if

they play sports there would be additional expenses.

The thought of losing a loved one is something you may not want

to consider. As you can see above, the fi nal expenses and daily bills

that would continue would only add to the stress of losing a loved

one. Our coverage may be used to help your beneficiary: pay off a

mortgage or debts, provide for child care or educational expenses,

or replace income to continue the same standard of living.

Term life coverage can help add additional support to your financial

well-being by off ering additional coverage in 20-year increments, and it

can automatically renew every 20 years until you reach age 70. Best of all,

it is very aff ordable. In fact, it may be more aff ordable than traditional life

coverage and can easily be converted to a permanent life policy with

no tests to take or questions to answer.

Term Life Insurance Benefit - Pays a cash benefit when you die

before attained age 70.

Issue ages: 18 to 65

term life

Life is unpredictable. You can’t predict when you will die, whether from disease, accidental injury, or natural causes.

But, you can purchase coverage to help provide a cash benefi t to help pay for funeral expenses, or additional expenses your

family may have to face without your paycheck. Make sure money won’t be a concern for your family…plan today!

Our term life coverage helps offer peace of mind when an unexpected death occurs. Below is an example of how

benefits are paid.*

your benefi t coveragemeeting your needs

Our term life coverage helps off er peace

of mind during life-changing events such

as the death of a wage earner.

• Choose a coverage amount that is

the greater of $10,000 or an amount

purchased by $2.00 per week (minus

any riders selected)

• Only Individual coverage is available for

the term life policy; however, child(ren)

can be covered through the addition of

a rider

• Affordable rates are conveniently

payroll deducted

• 24-hour coverage that pays in addition

to any benefit already provided by

your employer or other life coverage

• Portable coverage

• Tax-free death benefi t paid directly to

your designated benefi ciary**

• Conversion available before age 65

Without Term Life Coverage

Since John did not have coverage,

there are no benefi ts available

to help pay for his funeral expenses

Benefi ts paid: $0

With Term Life Coverage

Jane’s family has additional dollars to pay

for funeral expenses, plus other expenses

associated with her trip to the hospital

Benefi ts paid: $40,000

*The example shown may vary from the plan your employer is offering. Your individual experience may also vary.

Jane purchases

$40,000 in coverage

to help provide her

family with money

for funeral expenses

John declines term

life coverage. He is

not married and feels

he does not need the

coverage at this time

Jane is driving to work and

is in a serious car accident.

She is rushed to the hospital

with internal injuries, but

does not survive the trip

John is at home on his roof

cleaning the gutters, he falls

and is seriously injured.

He is rushed to the hospital,

but dies on the operating

table

,

nses

Jane and John are

off ered term life

insurance coverage

off ered through their

Employer

J

c

a

H

b

t

** With proper planning, the death benefi t can

pass to your benefi ciaries free from state or

federal estate taxes. Please consult with your

tax advisor for specifi c information.

ABJ4966X of 16

get more out of term life

Additional rider benefi ts can be included to help create a

life-events plan.10

Accidental Death Benefi t - Pays a benefi t for accidental

death if the loss occurs within 180 days of an

accidental injury.


Total Disability Premium Waiver - Waives your monthly

premium if you suffer a total disability lasting at least

6 months and before age 60.


Children’s Term - Pays a death benefi t for a covered child

who dies between the ages of 24 hours and 25 years

old. Coverage terminates at the earliest of each

child’s 25th birthday, or the insured’s attained

age 70, or the date the policy terminates.

Issue ages: 18 to 65 (your age)

10The policy and riders have exclusions and limitations, and may not be available in all states.

You are injured in You become

disabledan accident!premiums

are waived

not working for more than 6 months6

of 16 ABJ4966X

meeting your needsOur coverage can help provide security for

you and your family’s fi nancial future.

• Up to the maximum amount being off ered

by your employer**

• Additional rider coverage

• Aff ordable premiums

• Tax benefi ts*

• Withdrawals and loans*

prepare for the future todayWhere do you see yourself 5 or 10 years from now—getting married,

having children, paying for your child’s college education?

What if your life or that of your loved one was cut short by an

unexpected death? How would you, your spouse or your children

survive fi nancially?

Losing a loved one can be devastating. Final expenses and daily bills

shouldn’t add to the stress. Our coverage may be used to: pay off a

mortgage or debts, provide for child care or educational expenses,

or replace income to continue the same standard of living.

how it works - Premium payments are deducted from your paycheck

and added to the fund value which earns at least 4% interest annually.

Each month expenses and cost of insurance charges are deducted from

the fund value and any excess in the fund continues to earn interest.

Interest is not taxed as income until it is withdrawn.*

fund value and premium payments - Over time, as you continue to

pay your premium, your fund value may grow. Monthly premiums

are flexible, meaning you can choose to pay as much or as little as

you can aff ord, subject to policy minimums and maximums.

*Partial withdrawals, surrenders, non-qualifi ed

additional benefi t rider charges and loans from life

insurance policies may be subject to ordinary income

taxes and possibly an additional 10% federal tax penalty.

Outstanding loan balances and withdrawals generally

reduce the death benefi t and cash value. With proper

planning, the death benefi t can pass to your benefi ciaries

free from state or federal estate taxes. Please consult

with your tax advisor for specifi c information.

**You may be required to answer health questions at

enrollment. Coverage may be available with reduced

underwriting through your employer during your initial

enrollment period. If you enroll after your initial enrollment

period, answers to health questions are required.

group universal lifeLife insurance coverage is for the living; those left behind must deal with fi nal expenses, bills, mortgage, and expenses

associated with day-to-day life. It can also help provide fi nancial security during life-changing events that occur as you

age and your needs change. Plus, fund value accumulation allows for loans and withdrawals when needed.*

Life coverage helps off er peace of mind during life’s changing events. Below is an example of how life insurance benefits

might be paid.†

Our Total Disability Premium Waiver rider

waived the monthly deductions for Jane’s

life insurance coverage for the last 3

months of her disability.

Jane and John choose life insurance coverage off ered through their

Employer

Jane is single and chooses

an $80,000 face amount,

plus riders. Her goal is

to build fund value and

provide final expenses.

†The example shown may vary from the plan your employer is off ering. Your individual experience may also vary.

John is married and

chooses a $150,000 face

amount. His goal is to

protect his family and help

pay debts should he die

unexpectedly.

Deductions waived: Yes

Our life insurance coverage provided

the following for John’s family (his

designated benefi ciaries):

Life Insurance: $150,000Total Cash Benefi ts: $150,000

d

3

Jane is in an auto accident resulting in extensive injuries and is unable to return to work for 9 months.

While John is out of town visiting friends he is in an automobile accident, suffers extensive injuries, and dies on the way to the hospital.

ABJ4966X of 16 *The riders have exclusions and limitations, and may not be available in all states.

You visit your

doctorYou get a

cash benefi t†

The doctor

runs tests

You are diagnosed

with a terminal illness

T

†Rider requirements must be met. The benefi t is an advance of the certifi cate death benefi t.

Accelerated Death Benefi t for Long-Term Care -

Pays an advance of the death benefit as a monthly

benefit for qualified long-term care services after a

90-day elimination period.

Monthly

Benefi t Amount: 4% of the death benefi t amount

Issue Ages: 18 - 70

Accelerated Death Benefi t for Terminal Illness or

Condition - Provides an advance of the death benefi t.

Benefi t Amount: Up to 75% of the face amount

Issue Ages: 0 - 75

get more out of life Additional rider benefits can be included to help create a life events plan.*

Group Universal Life insurance might be right for you if: Check all that apply to you and your family

You’re the primary wage earner in

your family

Your family would have trouble living

comfortably without your income

You’ve got regular debts, like a mortgage,

car payment or credit cards

You have children under 18

You want to supplement your employer’s

basic group life insurance

You want fl exible coverage that can

change with your needs

You’d like to plan to supplement your

retirement income in later years

of 16 ABJ4966X

STATE VARIATIONS

Tennessee (changes aff ect pages 3 and 14) - Wellness

Benefi t (WBR5) is a mandated benefi t in Tennessee. The

Hospital Intensive Care Rider (ICR2) is renamed Hospital

Intensive Care Policy (ICP2). In the Hospital Intensive

Care Policy Exceptions and Limitations paragraph, item

(a)(2) is replaced with: intoxication or being under the

influence of drugs not recommended or prescribed by

a physician.

HEART/STROKE

Please read your policy carefully. This section details some

specifi cs of the policy and rider.

Renewability – The policy and rider are guaranteed renewable

for life, subject to change in premiums by class.

Eligibility/Termination – (a) Family coverage may include you,

your spouse and children under age 26. Spouse coverage

ends upon divorce or your death. (b) Coverage for children

ends when the child reaches age 26, unless he or she

continues to meet the requirements of an eligible dependent.

Policy Exclusions and Limitations – (a) The policy pays

benefits only for heart attack, heart disease or stroke.

(b) The policy does not cover any other disease or sickness

or incapacity even though caused, complicated or otherwise

aff ected by heart attack, heart disease or stroke. (c) If a

covered confinement is due to more than one covered

condition, benefi ts are paid as though the confi nement

was due to one condition.

Pre-Existing Condition Limitation for Policy and Rider –

(a) We do not pay benefits for pre-existing conditions

during the 12-month period beginning on each covered

person's eff ective date. (b) A pre-existing condition is a

condition not revealed in the application for which symptoms

existed within a 1-year period before the eff ective date;

or medical advice or treatment was recommended by or

received from a doctor within the 1-year period before

the eff ective date.

Intensive Care Rider Exclusions and Limitations – Benefi ts

are not paid for: (a) attempted suicide or intentional self-

infl icted injury; (b) intoxication or being under the infl uence

of drugs not prescribed or recommended by a physician;

or (c) alcoholism or drug addiction. We do not pay for

confi nements in any care unit that does not qualify as a

hospital intensive-care unit. The benefi t reduces by half

at age 70, and the Ambulance benefi t will not be paid if

the Ambulance benefi t under the policy is paid.

STATE VARIATIONS

Tennessee (changes affect page 14) - In the Policy

Exclusions and Limitations paragraph, item (a) is replaced

with: The policy provides benefi ts only for Heart Attack,

Coronary Artery Disease or Stroke; item (b) is replaced with:

The policy does not cover any other disease or sickness

or incapacity other than Heart Attack, Coronary Artery

Disease or Stroke even though such disease, sickness

POLICY AND RIDER SPECIFICATIONS

CANCER

Renewability - The policy is guaranteed renewable for life,

subject to change in premiums by class. All premiums may

change on a class basis. A notice is mailed in advance of

any change.

Eligibility/Termination - (a) Coverage may include you,

your spouse and children. (b) Coverage for children

terminates following the date the child reaches age 26, or

does not meet the requirements of an eligible dependent.

(c) Spouse coverage ends upon valid decree of divorce.

Rider Termination - The riders terminate: at the end of

the grace period; or if the policy terminates; or on the

next renewal date after you request termination.

Policy and Riders Waiting Period - (a) The policy and

riders have a 30-day waiting period that starts on the

eff ective date. Benefi ts are not paid for any person diagnosed

with cancer or a specifi ed disease before coverage is in

force 30 days from the eff ective date. (b) If diagnosis is

after signing the application, but before the end of the

waiting period, benefi ts for treatment of that cancer or

specifi ed disease will apply to losses beginning after 2 years

from the eff ective date; or, you may void the policy and

receive a full refund of premium.

Exceptions and Limitations - (a) Benefi ts are not paid for

any loss, except for losses due to cancer or specifi ed disease.

(b) Benefi ts are not paid for losses caused, complicated,

worsened or affected by cancer or a specified disease

or as a result of cancer or specified disease treatment.

(c) Treatment must be received in the U.S. or its territories.

Hospice Care Team Benefi t Limitation - Services for food

or meals, well-baby care, volunteers or support for the

family after covered person’s death are not covered.

Radiation Therapy, Radio-Active Isotopes Therapy,

Chemotherapy and Immunotherapy Limitations - Does not

pay for: treatment or emergency room charges; treatment

planning, management, devices, or supplies; medications

other than chemotherapeutic drugs; x-rays, scans, and

their interpretations; or any other drug, charge or expense

that does not directly modify or destroy cancerous tissues.

Hospital Intensive Care Rider (ICR2) Exceptions and

Limitations - (a) Benefits are not paid due to: (1) an

attempted suicide or self-infl icted injury; (2) intoxication

or being under the infl uence of drugs not prescribed by a

physician; (3) alcoholism or drug addiction. (b) Benefi ts

are not paid for continuous intensive-care confi nements

occurring during hospitalization that begins before the

rider eff ective date. (c) Children born within 10 months

of the rider eff ective date are not covered for continuous

hospital intensive-care confi nement that occurs or begins

during the fi rst 30 days of such child’s life.

ABJ4966X of 16

or incapacity may be caused, complicated or otherwise

affected by Heart Attack, Coronary Artery Disease or

Stroke. The Intensive Care Benefi t is provided by a policy.

All references to "Rider" are changed to "Policy" for this

benefi t. In the Pre-Existing Condition Limitation for Policy

and Rider paragraph, for the Intensive Care Policy, the

Pre-Existing Condition Limitation paragraph is replaced

with: (a) We do not pay benefi ts for pre-existing conditions

during the 2-year period beginning on each covered person's

eff ective date. (b) A pre-existing condition is a condition

not revealed in the application for which symptoms existed

before the eff ective date; or medical advice or treatment

was recommended or received from a doctor within the

5-year period before the application date. In the Intensive

Care Rider Exclusions and Limitations paragraph, item (b)

is replaced with: any loss sustained or contracted in

consequence of the insured's being intoxicated or under

the influence of any narcotic unless administered on

the advice of a physician. The following does not apply:

The Ambulance benefi t will not be paid if the Ambulance

benefi t under the policy is paid.

TERM LIFE

Renewals - Each term period is for 20 years, or ending at

age 70, if earlier. You may renew your policy at the end of

your term prior to age 70 and at the premium for your

current age. No evidence of insurability is required to renew.

Premium Guarantee - Your premium at issue is guaranteed

for the fi rst 5 policy years. After that we can increase or

decrease your premium, but not more than the maximums

shown in the policy.

Conversion - You may convert this coverage before age 65

to any nonterm life coverage we off er at the time without

any questions to answer or tests to take.

of 16 ABJ4966X

Allstate Benefi ts is the marketing name used by American Heritage Life Insurance Company

(Home Offi ce, Jacksonville, FL), a subsidiary of The Allstate Corporation.

©2014 Allstate Insurance Company. www.allstate.com or allstatebenefi ts.com

Rev. 4/14. This material is valid as long as information

remains current, but in no event later than April 1, 2017.

Cancer benefi ts are provided by the following form,

or state variations thereof: CP10B. Riders provided

by the following forms, or state variations thereof:

CLR1, WBR5, and ICR2. Heart/Stroke policy benefi ts

provided by policy form HSP2, or state variations thereof.

Intensive Care Rider benefi ts provided by rider ICR90,

or state variations thereof. Term Life benefi ts are provided

by Term Life insurance policy form P20RCT, or state

variations thereof. Rider benefits provided by the

following forms, or state variations thereof: Accidental

Death Benefi t TADB1 or ADB; Total Disability Premium

Waiver TPW1 or PW; and Children’s Term TCTR3

or CTR2.

Group Universal Life Insurance benefi ts provided by

policy GUL22P, or state variations thereof. Riders

provided by the following forms, or state variations

thereof: GULTC, and GULBR. It is possible that coverage

will expire when either no premiums are paid following

the initial premium or subsequent premiums are

insuffi cient to continue coverage.

Health coverage is provided by Limited Benefit

Health Insurance. The policies are not Medicare

Supplement Policies. If eligible for Medicare, review

Medicare Supplement Buyer’s Guide available from

Allstate Benefi ts.

This brochure highlights some features of the policies

but is not the insurance contract. For complete details,

contact your Allstate Benefi ts Agent. This is a brief

overview of the benefits available under the Group

Policies underwritten by American Heritage Life

Insurance Company (Home Office, Jacksonville,

FL). Details of the insurance, including exclusions,

restrictions and other provisions are included in the

certifi cates issued.

The Heart/Stroke and Cancer policies do not constitute

comprehensive health insurance coverage (often

referred to as “major medical coverage”) and do not

satisfy the requirement of minimum essential coverage

under the Aff ordable Care Act.

This brochure is for use in the Tennessee State

Employees Union enrollment which is sitused in: TN

cancer, heart/stroke, and term life insurance plus group...

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