Affordable Group Rates

Your coverage has some exclusions. Benefits will not be payable for death resulting directly or indirectly from any of the following causes: self-destruction or self-inflicted injuries, whether sane or insane; committing, attempting or provoking an assault or criminal offense; war, insurrection, acts of terrorism, riot or hostilities of any kind, whether declared or undeclared and whether or not the Life Insured was actually participating therein; bodily or mental infirmity, illness, disease or bacterial/viral infection; poisoning in any form or inhalation of gas or fumes, whether voluntary or involuntary; the taking of any drug, except as prescribed by a physician; the driving or operation of any vehicle while intoxicated; or travel or flight in any aircraft (a) as a student pilot or member of the crew or (b) for testing or experimental purposes or (c) under any military authority or (d) for the purpose of parachute descent. The Accidental Death Insurance Plan described in this summary is underwritten by Co-operators Life Insurance Company ("Co-operators Life").

In this summary, we have attempted to explain clearly and briefly the benefits available to you as a Credit Union member. All the provisions of the Plan are contained in the Master Group Policy No. 850-5213-8 issued by Co-operators Life. Since the Master Group Policy is complete in detail, the final interpretation of any specific provision or claim is governed by it. You may contact your Credit Union to review a copy of the Master Group Policy.