Group Term Life Insurance Options for Your Changing Needs
	ASCP Group Term Life Insurance Plan provides a selection of term life insurance options that reflect the diversity of the ASCP membership and respond to the changing needs of ASCP members. Whether you’re a recent college graduate seeking basic coverage or a long-standing ASCP member with a family and significant financial commitments to consider, ASCP Term Life Insurance offers you the options you need to help provide your loved ones with financial security. Request up to $300,000 in coverage You can apply for $20,000 to $300,000 in protection, if you are a member of ASCP or a registrant who is a U.S. resident under age 65 at the time you apply and are actively-at-work (at least 30 hours per week) and performing all the regular duties of your occupation. It's a great way to help make sure your coverage keeps pace with your financial and personal responsibilities, even if you already have some life insurance through your employer, or individually. All levels of coverage are subject to medical evidence of insurability as determined by New York Life Insurance Company. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by New York Life will be conducted at your convenience and at no expense to you. Cover your spouse for up to $300,000 Your spouse, under age 65 and a U.S resident, can apply for up to a maximum of $300,000 of coverage at the same affordable group rates available to members. Spouse coverage cannot exceed member's coverage. This added protection can be vital for today’s two-income households even if the spouse does not work outside of the home. Separated and divorced spouses are not eligible. Affordable group premiums ASCP has put the combined buying power of thousands of members to work for you. Click here to find out how affordable it is to get valuable protection for your family’s financial future. Term Life Insurance Plan rates Benefits to help with critical illness If you or your covered spouse under age 65 develop a serious disease that is not diagnosed as terminal, you may be eligible for a Critical Illness benefit of $5,000 -$25,000 (but not more than 70% of you or your spouse's life benefit amount). This one-time payment can help you pay the high cost of fighting such a disease, and will reduce the total benefit amount paid to the beneficiary upon the insured’s death. This benefit is not available in all states. Critical Illness means Malignant Cancer, Major Heart Attack, or Major Stroke. Malignant Cancer Malignant Cancer means a disease manifested by the presence of malignant tumors characterized by the uncontrolled growth and spread of malignant cells and invasion of tissue. The term CANCER inlcudes: leukemia, Hodgkin's disease, Kaposi's sarcoma and malignant melanomas. CANCER does not include: (1) "Carcinoma in Situ" which includes intraductal carcinomas of the breast, lobular carcinoma in situ and Paget's disease with no associated tumor; or (2) "Skin Cancer/Pre-malignant Conditions" (all skin cancer; basal cell carcinomas; squamos cell carcinomas of the skin; pre-malignant tumor or polyps; pre-malignant conditions or conditions with malignant potential). Additional details are included in the Certificate. Major Heart Attack means a myocardial infarction only. Heart attack does not include any other disease, arrhythmia or injury involving the cardiovascular system. Cardiac arrest not caused by a myocardial infarction is not a heart attack. Additional details are included in the Certificate of Coverage.. Major Stroke means a cerebrovascular accident which results in paralysis lasting more than 24 hours and produces measurable neurological deficit persisting for at least 30 days following the occurrence of the Stroke. Stroke does not mean a head injury, transient ischemic attack, or chronic cerebrovascular insufficiency or an attack of the Vertebrobasilar Ischemia. Other valuable provisions of the plan • Waiver of premiums for disability If you become Totally Disabled, while insured under the plan for six consecutive months and before age 60 and provide adequate proof of your disability, your Term Life insurance (and if applicable, your spouse's life insurance), if covered, will continue without further premium payments for as long as you continue to be Totally Disabled. Total Disability means an incapacity from an injury or sickness which: 1. completely and continuously prevents you from doing the material and substantial duties of any occupation for pay or profit which you are reasonably qualified by education, training or experience; 2. results in total and permanent loss of sight of both eyes; or 3. results in severance, above the wrist or ankle of: (1) both hands; (2) both feet; (3) one hand and one foot. • Portable protection Since the ASCP Plan is not tied to your job, its protection follows you throughout your career and after you retire. • Conversion privilege The ASCP Group Term Life Plan provides the opportunity to convert your term life policy to a permanent individual policy with no medical examination. You can choose to convert your coverage when you cease to be insured for any reason except voluntary non-payment of premiums, termination of the Group Policy, or termination of a class of insureds under the Group Policy, subject to certain conditions that will be described in your Certificate of Insurance. • Name your own beneficiary You can name your beneficiaries at the time you apply and change your designation any time you wish simply by filing the appropriate written form with the insurance company. You will be the beneficiary of your spouse’s coverage, unless you request otherwise. • Exclusions The life insurance benefit will be paid for death due to any cause except suicide, while sane or insane, during the first two years (MO and ND residents one year) of coverage under the policy. In this situation, benefits will be limited to the return or premiums paid. • Coverage remains in force to age 70 Once your Certificate of Insurance is issued, coverage will remain in force until you reach age 70. Your coverage cannot be cancelled on an individual basis as long as: -- your premiums are paid when due; -- you remain a member or registrant of ASCP ; -- the Group Policy remains in force; -- your plan of benefits or class of insureds is not terminated under the Group Policy. Coverage for your spouse and children will terminate on the earliest of the date: 1) your coverage terminates 2) their premiums are not paid when due 3) your spouse attains age 70 or ceases to be your spouse 4) your child attains age 19 (23 if a full-time student), marries, or otherwise ceases to be eligible. • Effective date of coverage Your coverage will become effective on the date shown on your Certificate of Insurance, provided the required premium has been paid and you are actively at work on that date at at least 30 hours per week or, if not employed, you are able to carry out all the normal and customary activities of a person of like age in good health. If you or your covered spouse are not actively at work on the date the insurance is effective, coverage will not become effective until the first day of the month on or next following the date you or your spouse are actively at work. NOTICE OF INSURANCE INFORMATION PRACTICES Important Notice How New York Life Obtains Information and Underwrites Your Request For 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). Information for consumers about MIB may be obtained on its website at www.mib.com. 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. New York Life Insurance Company 2.09 ed. It’s easy to apply for the ASCP Group Term Life Insurance Plan. Get instructions and an application 30 Day Free Look Our 30 Day Free Look makes it possible for you to examine the ASCP Term Life Insurance Plan without risk. If you aren’t satisfied with the coverage, simply return your Certificate of Insurance without claim within 30 days for a full refund.
	ASCP GROUP TERM LIFE INSURANCE PLAN Endorsed by: American Society for Clinical Pathology 33 W. Monroe Street Suite 1600 Chicago, IL 60603 www.ascp.org
	Administered by: RCM&D 7735 Old Georgetown Road, Suite 800 Bethesda, MD 20814 1-800-865-2727 x1792 240-482-1892
	Underwritten by: New York Life Insurance Company; New York, NY 10010 Policy Form GMR-FACE About the Underwriter
	DISCLAIMER: This website explains the general purpose of the insurance described, but in no way changes or affects the Group Policy G-29328-0 as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by New York Life Insurance Company; NY, NY 10010 Policy Form GMR FACE detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Group Policy issued to the policyholder. This program may vary and may not be available to residents of all states. Click here to apply for the ASCP Term Life Insurance Plan