{"id":42328,"date":"2015-09-17T11:25:58","date_gmt":"2015-09-17T16:25:58","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-legal\/contracts\/uncategorized\/group-life-insurance-policy-aetna-life-insurance-co-and.html"},"modified":"2015-09-17T11:25:58","modified_gmt":"2015-09-17T16:25:58","slug":"group-life-insurance-policy-aetna-life-insurance-co-and","status":"publish","type":"corporate_contracts","link":"https:\/\/corporate.findlaw.com\/contracts\/operations\/group-life-insurance-policy-aetna-life-insurance-co-and.html","title":{"rendered":"Group Life Insurance Policy – Aetna Life Insurance Co. and General Dynamics Corp."},"content":{"rendered":"
GROUP LIFE INSURANCE POLICY<\/b>\n\n\n<\/p>
A contract between<\/b>\n\n\n<\/p>
\nAetna Life Insurance Company
\n(A Stock Company herein
\ncalled Aetna)
\nand<\/b>\n\n\n<\/p>
GENERAL DYNAMICS CORPORATION\n\n\n<\/p>
(Policyholder)<\/b>\n\n\n<\/p>
\n\n\n        \n        \n        \n        \n        \n        \n        \n        \n        \n        \n        \n        \n        \n        
 <\/td>\n         <\/td>\n         <\/td>\n<\/tr>\n
Policy Number:             GP-658452           <\/u><\/td>\n         <\/td>\n        \nSigned at Aetna\u0092s Home Office<\/td>\n<\/tr>\n\n
Date of issue:               June 7, 1993         <\/u><\/td>\n         <\/td>\n        \nin Hartford, Connecticut on<\/td>\n<\/tr>\n\n
To take effect:              June 1, 1990         <\/u><\/td>\n         <\/td>\n        \nthe date of issue.<\/td>\n<\/tr>\n\n
Policy Delivered in:     Missouri              <\/u><\/td>\n         <\/td>\n         <\/td>\n<\/tr>\n
 <\/td>\n         <\/td>\n         <\/td>\n<\/tr>\n
This policy will be construed in line<\/td>\n         <\/td>\n        \n\/s\/ Ronald E. Compton<\/td>\n<\/tr>\n\n
with the law of the jurisdiction in
which it is delivered.<\/td>\n        		 <\/td>\n        \nPresident<\/td>\n<\/tr>\n
 <\/td>\n         <\/td>\n         <\/td>\n<\/tr>\n
Based on timely premium payments by<\/td>\n         <\/td>\n        \n\/s\/ Lewis R. Merrine<\/td>\n<\/tr>\n\n
the Policyholder, Aetna agrees with
the Policyholder, to pay benefits in
line with the policy terms.<\/td>\n        		 <\/td>\n        \nLegal Director<\/td>\n<\/tr>\n
 <\/td>\n         <\/td>\n         <\/td>\n<\/tr>\n
The duties and the rights of all<\/td>\n         <\/td>\n        \n\/s\/ Margaret L. Eno<\/td>\n<\/tr>\n\n
persons will be based solely on
\npolicy terms. This policy is non-
participating.<\/td>\n        		 <\/td>\n        \nRegistrar<\/td>\n<\/tr>\n<\/table>\n<\/center>\n
\n\n\n        \n        
 <\/td>\n         <\/td>\n         <\/td>\n         <\/td>\n         <\/td>\n<\/tr>\n
GR-29
0010
ED: 9-\u009292<\/td>\n        		 <\/td>\n        \nAetna Life Insurance Company
\n151 Farmington Avenue
Hartford, Connecticut 06158
\n203-273-0123\n<\/td>\n        		 <\/td>\n        Face Page
 
         \n207041<\/td>\n<\/tr>\n<\/table>\n<\/center>\n
 \n\n<\/p>
<\/p>
\n<\/p>
 <\/h5>
\n\n<\/p>
INDEX<\/b>\n\n\n<\/p>
POLICY CONTENTS<\/b>\n\n\n<\/p>
PART I<\/b>\n\n\n<\/p>
ELIGIBLE CLASSES \u0096 CHANGES \u0096
\nSPECIAL PROVISIONS<\/b>\n\n\n<\/p>
PART II<\/b>\n\n\n<\/p>
POLICYHOLDER AND INSURANCE
\nCOMPANY MATTERS<\/b>\n\n<\/p>
 <\/p>
\n<\/p>
\n\n\n        \n        
 <\/td>\n         <\/td>\n         <\/td>\n         <\/td>\n         <\/td>\n<\/tr>\n
GR-29
\n0040
\nED: 7-73<\/td>\n        		 <\/td>\n        \nPage 9000\n<\/td>\n         <\/td>\n        F205236<\/td>\n<\/tr>\n<\/table>\n<\/center>\n
 \n\n<\/p>
<\/p>
\n<\/p>
 <\/h5>
\n\n<\/p>
POLICY CONTENTS<\/b>\n\n\n<\/p>
This policy consists of:\n\n<\/p>
     The Face Page, Index, this Policy Contents page and all the provisions of Part\nI and II; and\n\n<\/p>
     The provisions found in the Certificates(s) listed in this section.\n\n<\/p>
The words \u0093you\u0094 or \u0093your\u0094 in any Certificate included in the policy, will\nrefer to a covered Employee.\n\n<\/p>
The Certificate(s) included in this policy are as follows:\n\n<\/p>
<\/p><\/pre>\n\n\n
A \u0093Certificate\u0094 consists of a Certificate Base document (\u0093Cert. Base\u0094) and any
\nSummary of Coverage (\u0093SOC\u0094) or Certificate Rider (\u0093Rider\u0094) which may be issued
\nto support or amend the Cert. Base.<\/td>\n<\/tr>\n<\/table>\n
\n\n\n\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
Identification<\/b><\/td>\n <\/td>\nIssue Date<\/b><\/td>\n <\/td>\nEffective Date<\/b><\/td>\n<\/tr>\n
\n
<\/td>\n		 <\/td>\n\n
<\/td>\n		 <\/td>\n\n
<\/td>\n<\/tr>\n
Cert Base \u0096 1<\/td>\n <\/td>\n\n4\/1\/93\n<\/td>\n <\/td>\n6\/1\/90<\/td>\n<\/tr>\n
SOC \u0096 1A<\/td>\n <\/td>\n\n4\/1\/93\n<\/td>\n <\/td>\n6\/1\/90<\/td>\n<\/tr>\n<\/table>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
GR-29
\n1508
\nED: 6-86<\/td>\n		 <\/td>\n\nPage 9010\n<\/td>\n <\/td>\nF205478<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
PART I<\/b><\/p>\n
ELIGIBLE CLASSES<\/b><\/p>\n
All classes of employees of a Member Employer are eligible except those who
\nare:<\/p>\n
     Part-time;<\/p>\n
     Temporary;<\/p>\n
     Substitute; or<\/p>\n
     In a class for which a Certificate is not in this policy.<\/p>\n
An employee is eligible only for the coverages shown in the Certificate
\nwhich applies to this class.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
GR-29
\n0150
\nED: 7-73<\/td>\n		 <\/td>\n\nPage 9050\n<\/td>\n <\/td>\nF205823<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
PART I (Continued)<\/b><\/p>\n
CHANGE IN AMOUNTS<\/b><\/p>\n
EMPLOYEE COVERAGE (NON-CONTRIBUTORY)<\/b><\/p>\n
Status, Schedule or Benefit Change: If, for any reason and at any time, the
\nemployee\u0092s rate of earnings or status or any schedule or level of benefit is
\nchanged so as to warrant an amount of non-contributory coverage other than that
\nfor which the employee is then covered, the amount of his coverage will be
\nchanged to the new amount. An increase will be subject to the Active Service
\nRule.<\/p>\n
A retroactive change in an employee\u0092s rate of earnings or status will not
\nresult in a retroactive change in coverage. Any change in coverage will be
\neffective on the date the change in earnings or status is made.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
GR-29
\n0190
\nED: 7-73<\/td>\n		 <\/td>\n\nPage 9062\n<\/td>\n <\/td>\nT-F205328<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
PART I (Continued)<\/b><\/p>\n
OTHER CHANGES<\/b><\/p>\n
EMPLOYEE COVERAGE<\/b><\/p>\n
Addition or Deletion of a Benefit: Except as set forth in the next paragraph,
\nif any benefit becomes applicable to an employee who is already covered under
\nthe policy, that employee will be eligible for that benefit right away.
\nCoverage will be effective in line with the Eligibility provisions as described
\nelsewhere in the group policy. This includes the Active Service Rule.<\/p>\n
If any benefit no longer applies to an employee, coverage for that benefit will
\nstop right away for that employee. Any rights under the benefit gained by the
\nemployee while the coverage was in force will not be affected.<\/p>\n
Change in Eligibility Date: An increase in any required period of service will
\napply only to an employee who enters service on or after the effective date of
\nthe increase. A decrease in any required period of service will permit an
\nemployee to become eligible on the effective date of the decrease if he then
\nhas worked the new period of service. Otherwise he is eligible on the date he
\ncompletes it.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
GR-29
\n0190
\nED: 7-73<\/td>\n		 <\/td>\n\nPage 9070\n<\/td>\n <\/td>\nT-F205344<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
PART I (Continued)<\/b><\/p>\n
SPECIAL PROVISIONS<\/b><\/p>\n
ACTIVE WORK RULE<\/b><\/p>\n
If the employee is both disabled (that is: ill or injured) and away from work
\non the date any of his Employee Coverage (or any increase in such coverage)
\nwould become effective, the effective date of the coverage (or increase) will
\nbe held up until the date he goes back to work for one full day.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
GR-29
\n0170
\nED: 7-73<\/td>\n		 <\/td>\n\nPage 9072\n<\/td>\n <\/td>\nF205573<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
PART II<\/b><\/p>\n
POLICYHOLDER AND INSURANCE COMPANY MATTERS<\/b><\/p>\n
DECLARATIONS<\/b><\/p>\n
<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
The first \u0093policy month\u0094 starts on<\/td>\n <\/td>\nJune 1<\/td>\n<\/tr>\n
Each subsequent policy month starts on the first<\/td>\n <\/td>\n<\/td>\n<\/tr>\n
of a calendar month<\/td>\n <\/td>\n <\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
The first \u0093policy year\u0094 starts on<\/td>\n <\/td>\nJune 1<\/td>\n<\/tr>\n
and ends on<\/td>\n <\/td>\nMay 31<\/td>\n<\/tr>\n
Each subsequent policy year starts on a<\/td>\n <\/td>\nJune 1<\/td>\n<\/tr>\n
It ends on a<\/td>\n <\/td>\nMay 31<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n<\/table>\n
<\/center>
\n
\n
<\/p>\n
MEMBER EMPLOYERS<\/b><\/p>\n
Member Employers are those employers which are included under this policy by
\nwritten agreement between the Policyholder and Aetna.<\/p>\n
An employer may be a Member Employer if not against the law of the jurisdiction
\nin which this policy is delivered.<\/p>\n
The Policyholder may act for all Member Employers in all policy matters. Each
\nsuch act, or agreement made between Aetna and the Policyholder, or notice given
\nby one to the other will be binding on all the Employers.<\/p>\n
DATA REQUIRED<\/b><\/p>\n
The Policyholder and each Member Employer must give Aetna all data required as
\nto policy matters. All data which may have a bearing on insurance or premiums
\nwill be open for Aetna to inspect while this policy is in force. Also, they
\nmust be open until the final rights and duties under this policy have been
\nresolved.<\/p>\n
CLERICAL ERROR<\/b><\/p>\n
Any clerical error by anyone in keeping records, or a delay in making an entry,
\nwill not alone decide if insurance is valid. A fair change in premiums will be
\nmade when the error or delay is found.<\/p>\n
MISSTATEMENTS<\/b><\/p>\n
If any fact as to a person to whom the insurance relates is found to have been
\nmisstated, a fair change in premiums will be made. If the misstatement affects
\nthe existence or amount of insurance, the true facts will be used to decide if
\ninsurance is in force and its amount.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
GR-29
\n1150
\nED: 7-73<\/td>\n		 <\/td>\n\nPage 9080\n<\/td>\n <\/td>\nF205333<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
PART II (Continued)<\/b><\/p>\n
POLICYHOLDER AND INSURANCE COMPANY MATTERS (Continued)<\/b><\/p>\n
NON-DISCRIMINATION<\/b><\/p>\n
In the management of this policy, the Policyholder and the Member Employers
\nwill act so as not to discriminate unfairly between persons in like situations
\nat the time of the action. Aetna can rely on such action. It will not have to
\nprobe into the details.<\/p>\n
CERTIFICATES<\/b><\/p>\n
Aetna will issue to the Policyholder individual certificates. These should be
\ndelivered to each insured employee. The insurance in force will be set forth.
\nStatements as to whom benefits are payable will appear. The Life Insurance
\nConversion Privilege will also be described.<\/p>\n
POLICY CHANGES<\/b><\/p>\n
This policy may be changed at any time by written agreement between Aetna and
\nthe Policyholder. The consent of any employee or other person is not needed.
\nAll agreements made by Aetna are signed by one of its executive officers. No
\nother person can change or waive any of the policy terms or make any agreement
\nbinding Aetna. The Policyholder will not have to give written approval of a
\nchange in the policy if:<\/p>\n<\/p>\n\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\nThe Policyholder has asked for the change and Aetna has greed to it.<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n <\/td>\nThe change is needed so that the policy will conform to any law,
\nregulation or ruling of:<\/td>\n<\/tr>\n<\/table>\n
\n\n\n\n\n\n
 <\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n <\/td>\nA jurisdiction that affects a person covered under this policy; or<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n <\/td>\nThe federal government.<\/td>\n<\/tr>\n<\/table>\n<\/div>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
GR-29
1160
ED. 7-73<\/td>\n		 <\/td>\n\nPage 9090\n<\/td>\n <\/td>\nF205243<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
PART II (Continued)<\/b><\/p>\n
POLICYHOLDER AND INSURANCE COMPANY MATTERS (Continued)<\/b><\/p>\n
CONTRACT<\/b><\/p>\n
This policy and the application of the Policyholder are the entire contract. A
\ncopy of the application is attached. All statements made by the Policyholder or
\nan insured employee shall be deemed representations and not warranties. No
\nwritten statement made by an employee shall be used by Aetna in a contest
\nunless a copy of the statement is or has been furnished to the employee or his
\nbeneficiary, or the person making the claim.<\/p>\n
INCONTESTABILITY<\/b><\/p>\n
The validity of this policy shall not be contested, except for non-payment of
\npremiums, after it has been in force for 2 years. No statement made by an
\nemployee about his insurability shall be used by Aetna in contesting the
\nvalidity of the insurance as to which such statement was made if the insurance
\nhas been in force prior to the contest for 2 years during the employee\u0092s
\nlifetime; nor unless such statemeny is in written form signed by him.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
GR-29
1165
ED. 7-73<\/td>\n		 <\/td>\n\nPage 9100\n<\/td>\n <\/td>\nF205419<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
PART II (Continued)<\/b><\/p>\n
POLICYHOLDER AND INSURANCE COMPANY MATTERS (Continued)<\/b><\/p>\n
PREMIUM RATES<\/b><\/p>\n
Employee Life Insurance Coverage<\/u><\/p>\n
TABLE OF PREMIUM RATES<\/b><\/p>\n
<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
Age on
Birth-
day Near-
est Be-
ginning
of the
Policy
Year<\/b><\/td>\n		 <\/td>\nMonthly
Premium
Per
$1,000
of 
Insurance<\/b><\/td>\n		 <\/td>\nAge on
Birth-
day Near-
est Be-
ginning
of the
Policy
Year<\/b><\/td>\n		 <\/td>\nMonthly
Premium
Per
$1,000
of 
Insurance<\/b><\/td>\n		 <\/td>\nAge on
Birth-
day Near-
est Be-
ginning
of the
Policy
Year<\/b><\/td>\n		 <\/td>\nMonthly
Premium
Per
$1,000
of 
Insurance<\/b><\/td>\n		 <\/td>\nAge on
Birth-
day Near-
est Be-
ginning
of the
Policy
Year<\/b><\/td>\n		 <\/td>\nMonthly
Premium
Per
$1,000
of 
Insurance<\/b><\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
\n
15<\/div>\n<\/td>\n
 <\/td>\n$<\/td>\n.19<\/td>\n <\/td>\n <\/td>\n <\/td>\n35<\/td>\n <\/td>\n <\/td>\n$<\/td>\n .32<\/td>\n <\/td>\n <\/td>\n <\/td>\n55<\/td>\n <\/td>\n <\/td>\n$<\/td>\n1.65<\/td>\n <\/td>\n <\/td>\n <\/td>\n75<\/td>\n <\/td>\n <\/td>\n$<\/td>\n8.56<\/td>\n <\/td>\n<\/tr>\n
\n
16<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.20<\/td>\n <\/td>\n <\/td>\n <\/td>\n36<\/td>\n <\/td>\n <\/td>\n <\/td>\n.34<\/td>\n <\/td>\n <\/td>\n <\/td>\n56<\/td>\n <\/td>\n <\/td>\n <\/td>\n1.80<\/td>\n <\/td>\n <\/td>\n <\/td>\n76<\/td>\n <\/td>\n <\/td>\n <\/td>\n9.24<\/td>\n <\/td>\n<\/tr>\n
\n
17<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.21<\/td>\n <\/td>\n <\/td>\n <\/td>\n37<\/td>\n <\/td>\n <\/td>\n <\/td>\n.36<\/td>\n <\/td>\n <\/td>\n <\/td>\n57<\/td>\n <\/td>\n <\/td>\n <\/td>\n1.97<\/td>\n <\/td>\n <\/td>\n <\/td>\n77<\/td>\n <\/td>\n <\/td>\n <\/td>\n10.00<\/td>\n <\/td>\n<\/tr>\n
\n
18<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.22<\/td>\n <\/td>\n <\/td>\n <\/td>\n38<\/td>\n <\/td>\n <\/td>\n <\/td>\n.38<\/td>\n <\/td>\n <\/td>\n <\/td>\n58<\/td>\n <\/td>\n <\/td>\n <\/td>\n2.14<\/td>\n <\/td>\n <\/td>\n <\/td>\n78<\/td>\n <\/td>\n <\/td>\n <\/td>\n10.86<\/td>\n <\/td>\n<\/tr>\n
\n
19<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.23<\/td>\n <\/td>\n <\/td>\n <\/td>\n39<\/td>\n <\/td>\n <\/td>\n <\/td>\n.41<\/td>\n <\/td>\n <\/td>\n <\/td>\n59<\/td>\n <\/td>\n <\/td>\n <\/td>\n2.32<\/td>\n <\/td>\n <\/td>\n <\/td>\n79<\/td>\n <\/td>\n <\/td>\n <\/td>\n11.81<\/td>\n <\/td>\n<\/tr>\n
\n
20<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.23<\/td>\n <\/td>\n <\/td>\n <\/td>\n40<\/td>\n <\/td>\n <\/td>\n <\/td>\n.45<\/td>\n <\/td>\n <\/td>\n <\/td>\n60<\/td>\n <\/td>\n <\/td>\n <\/td>\n2.51<\/td>\n <\/td>\n <\/td>\n <\/td>\n80<\/td>\n <\/td>\n <\/td>\n <\/td>\n12.83<\/td>\n <\/td>\n<\/tr>\n
\n
21<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.24<\/td>\n <\/td>\n <\/td>\n <\/td>\n41<\/td>\n <\/td>\n <\/td>\n <\/td>\n.49<\/td>\n <\/td>\n <\/td>\n <\/td>\n61<\/td>\n <\/td>\n <\/td>\n <\/td>\n2.72<\/td>\n <\/td>\n <\/td>\n <\/td>\n81<\/td>\n <\/td>\n <\/td>\n <\/td>\n13.93<\/td>\n <\/td>\n<\/tr>\n
\n
22<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.24<\/td>\n <\/td>\n <\/td>\n <\/td>\n42<\/td>\n <\/td>\n <\/td>\n <\/td>\n.53<\/td>\n <\/td>\n <\/td>\n <\/td>\n62<\/td>\n <\/td>\n <\/td>\n <\/td>\n2.96<\/td>\n <\/td>\n <\/td>\n <\/td>\n82<\/td>\n <\/td>\n <\/td>\n <\/td>\n15.07<\/td>\n <\/td>\n<\/tr>\n
\n
23<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.25<\/td>\n <\/td>\n <\/td>\n <\/td>\n43<\/td>\n <\/td>\n <\/td>\n <\/td>\n.57<\/td>\n <\/td>\n <\/td>\n <\/td>\n63<\/td>\n <\/td>\n <\/td>\n <\/td>\n3.21<\/td>\n <\/td>\n <\/td>\n <\/td>\n83<\/td>\n <\/td>\n <\/td>\n <\/td>\n16.26<\/td>\n <\/td>\n<\/tr>\n
\n
24<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.25<\/td>\n <\/td>\n <\/td>\n <\/td>\n44<\/td>\n <\/td>\n <\/td>\n <\/td>\n.63<\/td>\n <\/td>\n <\/td>\n <\/td>\n64<\/td>\n <\/td>\n <\/td>\n <\/td>\n3.48<\/td>\n <\/td>\n <\/td>\n <\/td>\n84<\/td>\n <\/td>\n <\/td>\n <\/td>\n17.50<\/td>\n <\/td>\n<\/tr>\n
\n
25<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.25<\/td>\n <\/td>\n <\/td>\n <\/td>\n45<\/td>\n <\/td>\n <\/td>\n <\/td>\n.68<\/td>\n <\/td>\n <\/td>\n <\/td>\n65<\/td>\n <\/td>\n <\/td>\n <\/td>\n3.78<\/td>\n <\/td>\n <\/td>\n <\/td>\n85<\/td>\n <\/td>\n <\/td>\n <\/td>\n18.80<\/td>\n <\/td>\n<\/tr>\n
\n
26<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.25<\/td>\n <\/td>\n <\/td>\n <\/td>\n46<\/td>\n <\/td>\n <\/td>\n <\/td>\n.74<\/td>\n <\/td>\n <\/td>\n <\/td>\n66<\/td>\n <\/td>\n <\/td>\n <\/td>\n4.11<\/td>\n <\/td>\n <\/td>\n <\/td>\n86<\/td>\n <\/td>\n <\/td>\n <\/td>\n20.16<\/td>\n <\/td>\n<\/tr>\n
\n
27<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.26<\/td>\n <\/td>\n <\/td>\n <\/td>\n47<\/td>\n <\/td>\n <\/td>\n <\/td>\n.81<\/td>\n <\/td>\n <\/td>\n <\/td>\n67<\/td>\n <\/td>\n <\/td>\n <\/td>\n4.48<\/td>\n <\/td>\n <\/td>\n <\/td>\n87<\/td>\n <\/td>\n <\/td>\n <\/td>\n21.60<\/td>\n <\/td>\n<\/tr>\n
\n
28<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.26<\/td>\n <\/td>\n <\/td>\n <\/td>\n48<\/td>\n <\/td>\n <\/td>\n <\/td>\n.89<\/td>\n <\/td>\n <\/td>\n <\/td>\n68<\/td>\n <\/td>\n <\/td>\n <\/td>\n4.89<\/td>\n <\/td>\n <\/td>\n <\/td>\n88<\/td>\n <\/td>\n <\/td>\n <\/td>\n23.13<\/td>\n <\/td>\n<\/tr>\n
\n
29<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.26<\/td>\n <\/td>\n <\/td>\n <\/td>\n49<\/td>\n <\/td>\n <\/td>\n <\/td>\n.97<\/td>\n <\/td>\n <\/td>\n <\/td>\n69<\/td>\n <\/td>\n <\/td>\n <\/td>\n5.34<\/td>\n <\/td>\n <\/td>\n <\/td>\n89<\/td>\n <\/td>\n <\/td>\n <\/td>\n24.79<\/td>\n <\/td>\n<\/tr>\n
\n
30<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.27<\/td>\n <\/td>\n <\/td>\n <\/td>\n50<\/td>\n <\/td>\n <\/td>\n <\/td>\n1.06<\/td>\n <\/td>\n <\/td>\n <\/td>\n70<\/td>\n <\/td>\n <\/td>\n <\/td>\n5.81<\/td>\n <\/td>\n <\/td>\n <\/td>\n90<\/td>\n <\/td>\n <\/td>\n <\/td>\n26.62<\/td>\n <\/td>\n<\/tr>\n
\n
31<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.27<\/td>\n <\/td>\n <\/td>\n <\/td>\n51<\/td>\n <\/td>\n <\/td>\n <\/td>\n1.16<\/td>\n <\/td>\n <\/td>\n <\/td>\n71<\/td>\n <\/td>\n <\/td>\n <\/td>\n6.32<\/td>\n <\/td>\n <\/td>\n <\/td>\n91<\/td>\n <\/td>\n <\/td>\n <\/td>\n28.68<\/td>\n <\/td>\n<\/tr>\n
\n
32<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.28<\/td>\n <\/td>\n <\/td>\n <\/td>\n52<\/td>\n <\/td>\n <\/td>\n <\/td>\n1.26<\/td>\n <\/td>\n <\/td>\n <\/td>\n72<\/td>\n <\/td>\n <\/td>\n <\/td>\n6.84<\/td>\n <\/td>\n <\/td>\n <\/td>\n92<\/td>\n <\/td>\n <\/td>\n <\/td>\n31.03<\/td>\n <\/td>\n<\/tr>\n
\n
33<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.29<\/td>\n <\/td>\n <\/td>\n <\/td>\n53<\/td>\n <\/td>\n <\/td>\n <\/td>\n1.38<\/td>\n <\/td>\n <\/td>\n <\/td>\n73<\/td>\n <\/td>\n <\/td>\n <\/td>\n7.38<\/td>\n <\/td>\n <\/td>\n <\/td>\n93<\/td>\n <\/td>\n <\/td>\n <\/td>\n33.75<\/td>\n <\/td>\n<\/tr>\n
\n
34<\/div>\n<\/td>\n
 <\/td>\n <\/td>\n.30<\/td>\n <\/td>\n <\/td>\n <\/td>\n54<\/td>\n <\/td>\n <\/td>\n <\/td>\n1.51<\/td>\n <\/td>\n <\/td>\n <\/td>\n74<\/td>\n <\/td>\n <\/td>\n <\/td>\n7.95<\/td>\n <\/td>\n <\/td>\n <\/td>\n94<\/td>\n <\/td>\n <\/td>\n <\/td>\n36.95<\/td>\n <\/td>\n<\/tr>\n
\n
 <\/div>\n<\/td>\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n95<\/td>\n <\/td>\n <\/td>\n <\/td>\n40.98<\/td>\n <\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
The above premiums apply only to males. For female employee premiums, multiply
\nthe above premiums by .60. Multiply the above premiums by: 11.83 for annual
\npremiums; 5.96 for semiannual premiums, 2.99 for quarterly premiums.<\/p>\n
Policy Charge: The calculated premium shall be increased by a policy charge of
\n$.20 for each $1,000 of insurance in force at the start of the then current
\npolicy year. This applies for each policy month in the premium paying period.
\nThe policy charge shall not exceed $8.00 for any month.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
GR-29
1170
ED. 7-73<\/td>\n		 <\/td>\n\nPage 9110\n<\/td>\n <\/td>\nF205432<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
PART II (Continued)<\/b><\/p>\n
POLICYHOLDER AND INSURANCE COMPANY MATTERS (Continued)<\/b><\/p>\n
PREMIUM RATES (Continued)<\/b><\/p>\n
Employee Life Insurance Coverage (Continued)<\/p>\n
At the start of each policy year, Aetna will compute a total premium based upon
\nthe number of premium payments then agreed upon between the Policyholder and
\nAetna. Such premium will be the sum of the individual premiums of the employees
\nthen insured, figured from the table of premium rates then in effect. It will
\nbe figured on the basis of the ages (nearest birthday) then attained by insured
\nemployees and their amounts of insurance. From such total an average premium
\nrate will be figured by dividing the total premium by the total amount of
\ninsurance then in force.<\/p>\n
The average premium rate may be figured again as of any premium-due date only:<\/p>\n<\/p>\n\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\nBy reason of a change in factors bearing on the risk assumed. Aetna must
\nrequest this.<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n <\/td>\nOnce during any continuous 12 month period. The Policyholder must request
\nthis and give 60 days advance notice to Aetna.<\/td>\n<\/tr>\n<\/table>\n
Such refiguring will be made on the same basis as described above. All facts
\nwill be taken as of the date of the refiguring.<\/p>\n
The latest average premium rate will be used to figure premiums until a new one
\nis determined. Each premium due during the policy year will be figured by
\nmultiplying the amount of insurance in force at the start of the premium-paying
\nperiod by the average premium rate.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
GR-29
1181
ED. 7-73<\/td>\n		 <\/td>\n\nPage 9140\n<\/td>\n <\/td>\nF205248<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
PART II (Continued)<\/b><\/p>\n
POLICYHOLDER AND INSURANCE COMPANY MATTERS (Continued)<\/b><\/p>\n
PREMIUM DUE\u0097EXPERIENCE RATING<\/b><\/p>\n
The premium due under this policy on any premium due date will be the sum of
\nthe premium charges for the coverages then provided under this policy.<\/p>\n
If premiums are payable monthly, any insurance becoming effective will be
\ncharged for from the first day of the policy month on or right after the date
\nthe insurance takes effect. Premium charges for insurance which terminates will
\ncease as of the first day of the policy month on or right after the date the
\ninsurance terminates. If premiums are payable less often than monthly, premium
\ncharges or credits for a fraction of premium paying period will be made on a
\npro rata basis for the number of policy months between the date premium charges
\nstart or cease and end of the premium paying period. If this policy is changed
\nto provide more coverage to take effect on a date other than the first day of a
\npremium paying period, a pro rata premium for the coverage will be due and
\npayable on that date. It will cover the period then starting and ending right
\nbefore the start of the next premium paying period.<\/p>\n
The premium charges will be figured at the premium rates shown before. Aetna
\nmay change them due to experience or a change in factors bearing on the risk
\nassumed. Each change shall be made by written notice to the Policyholder by
\nAetna.<\/p>\n
No experience reduction or increase in premium rates shall become effective
\nless than 12 months after the effective date of the group policy. As used here,
\n\u0093group policy\u0094 shall be deemed to include any group policy previously issued by
\nAetna that has been replaced in whole or in part by this policy.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
GR-29
1195
ED. 7-81<\/td>\n		 <\/td>\n\nPage 9160\n<\/td>\n <\/td>\nF205768<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
PART II (Continued)<\/b><\/p>\n
POLICYHOLDER AND INSURANCE COMPANY MATTERS (Continued)<\/b><\/p>\n
PREMIUM DUE\u0097EXPERIENCE RATING (Continued)<\/b><\/p>\n
At the end of a policy year, Aetna may declare an experience credit. The amount
\nof each credit Aetna declares will be returned to the Policyholder. Upon
\nrequest by the Policyholder, part or all of it will be applied against the
\npayment of premiums or in any other manner as may be agreed to by the
\nPolicyholder and Aetna.<\/p>\n
If the sum of employee contributions which have been made for group insurance
\nexceeds the sum of premiums which have been paid for group insurance (after
\ngiving effect to any experience credits), the excess will be applied by the
\nPolicyholder for the sole benefit of empolyees. Aetna will not have to see to
\nthe use of such excess.<\/p>\n
Instead of figuring premiums as described above, premiums may be figured in any
\nway approved by Aetna that comes up with about the same amount of premiums.<\/p>\n
Aetna will not have to refund any premium for a period prior to:<\/p>\n<\/p>\n\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\nThe first day of the policy year in which Aetna receives proof that the
\nrefund should be made; or<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n <\/td>\nThe date 3 months before Aetna receives proof, if this produces a larger
\nrefund.<\/td>\n<\/tr>\n<\/table>\n
This applies even if the premium was paid in error.<\/p>\n
Payment of Premiums: The Policyholder will pay premiums in advance. They may be
\npaid at Aetna\u0092s Home Office or to its authorized agent.<\/p>\n
A premium is due to be paid on the first day of each policy month.<\/p>\n
The Policyholder may change the number of premium payments as of a premium-due
\ndate. This needs Aetna\u0092s written consent.<\/p>\n
Grace Period: A grace period of 31 days after the due-date will be allowed the
\nPolicyholder for the payment of each premium.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
GR-29
1198
ED. 7-73<\/td>\n		 <\/td>\n\nPage 9170\n<\/td>\n <\/td>\nF205755<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
PART II (Continued)<\/b><\/p>\n
POLICYHOLDER AND INSURANCE COMPANY MATTERS (Continued)<\/b><\/p>\n
DISCONTINUANCE OF POLICY<\/b><\/p>\n
The Policyholder may terminate this policy as to any or all coverage of all or
\nany class of employees of any one or more Member Employers. A Member Employer
\nmay terminate this policy as to any or all coverage of all or any class of its
\nemployees. Aetna must be given written notice. The notice must state when such
\ntermination shall occur. It must be a date after the notice. It shall not be
\neffective during a period for which a premium has been paid to Aetna as to the
\ncoverage.<\/p>\n
Aetna has the right to terminate this policy as to all or any class of
\nemployees of a Member Employer at any time for failure to meet continued
\nunderwriting standards, or at any time after the end of the grace period if the
\npremium for the employees\u0092 coverage has not been paid. Written notice of the
\ntermination date must be given by Aetna. This right is subject to the terms of
\nany applicable law or regulation.<\/p>\n
Aetna may also terminate this policy in its entirety or as to any or all
\ncoverage of all or any class of employees of a Member Employer by giving the
\nPolicyholder advance written notice of when it will terminate. The date shall
\nnot be earlier than the first policy anniversary date specified in the
\nDeclarations section of this policy; thereafter, the date of termination shall
\nnot be earlier than 31 days after the date of the notice unless it is agreed to
\nby the Policyholder and Aetna.<\/p>\n
If:<\/p>\n<\/p>\n\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\nThis policy terminates as to any of the employees of a Member Employer;
\nand<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n <\/td>\nPremiums have not been paid for the period this policy was in force for
\nthose employees;<\/td>\n<\/tr>\n<\/table>\n
then the Policyholder and the Employer shall be jointly and severally liable to
\nAetna for the unpaid premiums.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
GR-29
1210
ED. 7-73<\/td>\n		 <\/td>\n\nPage 9180\n<\/td>\n <\/td>\nF205755
\nMO<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
\n\n\n
\n
SUMMARY OF COVERAGE<\/b>\n<\/td>\n<\/tr>\n<\/table>\n
SOC: 1A<\/b><\/p>\n
Issue Date: 4\/1\/93<\/b><\/p>\n
Effective Date: 6\/1\/90<\/b><\/p>\n
EMPLOYER: GENERAL DYNAMICS CORPORATION<\/b><\/p>\n
GROUP POLICY: GP-658452<\/b>\n<\/p>\n<\/p>\n
\n
\nGR-9       0030-0120                                                                         1                                                                                       7\/93<\/b>\n<\/div>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
\n
\nELIGIBILITY<\/b><\/p>\n
Employees<\/b><\/p>\n
You are in an Eligible Class if you are a regular full-time Corporate Officer
\nor an Executive of General Dynamics eligible for Incentive Compensation.<\/p>\n
Aetna shall be entitled to rely upon the attestation of the Employer that an
\nemployee is in a class of employees eligible for coverage as shown in this
\nSummary of Coverage, and the findings by the Employer with regard hereto will
\nbe conclusive and binding upon all persons for the purposes of this Booklet.<\/p>\n
Your Eligibility Date, if you are then in an Eligible Class, is the Effective
\nDate of this Plan. Otherwise, it is the date you commence active work for your
\nEmployer or, if later, the date you enter an Eligible Class.<\/p>\n
ENROLLMENT PROCEDURE<\/b><\/p>\n
You will receive this coverage if you are in an Eligible Class. However, if you
\nwish to refuse this coverage, you must sign a waiver form, which can be
\nobtained from your Employer.<\/p>\n
EFFECTIVE DATE OF COVERAGE<\/b><\/p>\n
Employees<\/b><\/p>\n
Your coverage will take effect on your Eligibility Date. If you happen to be
\nboth disabled and away from work on the date your coverage would take effect,
\nthe coverage will not take effect until you return to full-time work for one
\nfull day. This rule also applies to an increase in your coverage.<\/p>\n
COVERAGE FOR YOU ONLY<\/b><\/p>\n
<\/p>\n\n\n\n\n\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
Classification<\/u><\/td>\n <\/td>\n\nAmount<\/u><\/td>\n<\/tr>\n
Corporate Officers<\/td>\n <\/td>\n\n200% of your basic annual
\nsalary, as determined by your
\nEmployer.<\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n\n  Maximum: $1,000,000<\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
All Other Employees<\/td>\n <\/td>\n\n100% of your basic annual
\nsalary, (200% effective April
\n1, 1991) as determined by
\nyour Employer.<\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n\n  Maximum: $1,000,000<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
For the purpose of this coverage, \u0093annual salary\u0094 means your base salary. It
\ndoes not include overtime, bonuses, commissions and other extra compensation.<\/p>\n
\n
\nGR-9      0030-0120                                                                         2                                                                                       7\/93
\n<\/b><\/p>\n
\n
 <\/h5>\n<\/p>\n
\n\n\n
\n
\nBENEFICIARY<\/b><\/td>\n<\/tr>\n<\/table>\n
Until changed in accordance with the terms of the group contract, the named
\nbeneficiary is the one named under your Group Life Policy and recorded with
\nAetna or the Employer.<\/p>\n
ADJUSTMENT RULE<\/b><\/p>\n
If for any reason a person is entitled to a different amount of coverage,
\ncoverage will be adjusted as provided elsewhere in the group contract, except
\nthat an increase is subject to any active work rule requirement described in
\nEffective Date of Coverage.<\/p>\n
Benefits for claims incurred after the date the adjustment becomes effective
\nare payable in accordance with the revised plan provisions. In other words,
\nthere are no vested rights to benefits based upon provisions of this Plan in
\neffect prior to the date of any adjustment.<\/p>\n
GENERAL<\/b><\/p>\n
This Summary of Coverage replaces any Summary of Coverage previously in effect
\nunder the group contract. Requests for amounts of coverage other than those to
\nwhich you are entitled in accordance with this Summary of Coverage cannot be
\naccepted.<\/p>\n
The insurance described in this Booklet-Certificate will be provided under
\nAetna Life Insurance Company\u0092s policy form GR-29.<\/p>\n
KEEP THIS SUMMARY OF COVERAGE
\nWITH YOUR BOOKLET-CERTIFICATE<\/b><\/p>\n
\n
\nGR-9      0030-0120                                                                         3                                                                                       7\/93
\n<\/b><\/p>\n
\n
 <\/h5>\n<\/p>\n
your
\ngroup
\nplan<\/b><\/p>\n
GENERAL DYNAMICS CORPORATION<\/b><\/p>\n
EXECUTIVE LIFE<\/b><\/p>\n
GR-9<\/b><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
YOUR GROUP COVERAGE PLAN<\/b><\/p>\n
This Plan is underwritten by the Aetna Life Insurance Company, of Hartford,
\nConnecticut (called Aetna). The benefits and main points of the group contract
\nfor persons covered under this Plan are set forth in this Booklet. They are
\neffective only while you are covered under the group contract.<\/p>\n
If you become covered, this Booklet will become your Certificate of Coverage.
\nIt replaces and supersedes all Certificates issued to you by Aetna under the
\ngroup contract.<\/p>\n
\n\n\n
 <\/td>\n\/s\/ Ronald E. Compton<\/td>\n<\/tr>\n<\/table>\n\n\n
 <\/td>\nPresident<\/td>\n<\/tr>\n<\/table>\n
Cert. Base: 1
Issue Date: 4\/1\/93
Effective Date: 6\/1\/90<\/b><\/p>\n
\n
GR-9<\/b><\/p>\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
TABLE OF CONTENTS<\/b><\/p>\n
\n\n\n\n\n\n\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
 <\/td>\n <\/td>\nPage<\/b><\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n\n
<\/td>\n<\/tr>\n
Summary of Coverage<\/b><\/td>\n <\/td>\n\nIssued with
\nYour Booklet<\/b><\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
Life Insurance<\/b><\/td>\n <\/td>\n\n1<\/b><\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
General Information About
\n  Your Coverage<\/b><\/td>\n		 <\/td>\n\n4<\/b><\/td>\n<\/tr>\n<\/table>\n
GR-9<\/b><\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
In addition, information may be given to regulators of Aetna\u0092s business and to
\nothers as may be required by law. It may also be given to law enforcement
\nauthorities when needed to prevent or prosecute fraud or other illegal
\nactivities.<\/p>\n
Your Right of Access and Correction<\/b><\/p>\n
In general, you have a right to learn the nature and substance of any
\ninformation Aetna has in its files about you. You may also have a right of
\naccess to such files, except information which relates to a claim or a civil or
\ncriminal proceeding, and to ask for correction, amendment, or deletion of
\npersonal information. This can be done in states which provide such rights and
\nwhich grant immunity to insurers providing such access. If you request any health information, Aetna may elect to disclose details of the
\ninformation you request to your (attending) physician. If you wish to exercise
\nthis right or if you wish to have more detail on our information practices,
\nplease contact:<\/p>\n
Aetna Life Insurance Company
\nAttn: Underwriting Services-EBD, MC63
\n151 Farmington Avenue
\nHartford, Connecticut 06156<\/p>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
PRIVACY NOTICE<\/b><\/p>\n
The information in this Notice is not a part of either the group contract, your
\nCertificate of Coverage or the Booklet. It is important to you as a covered
\nperson under the group contract. We have bound it into this document only as an
\naid to you in keeping insurance related material together.<\/p>\n
Aetna has adopted a comprehensive insurance privacy policy based on the
\nrecommendations of the Federal Privacy Protection Study Commission. This Notice
\ndescribes certain aspects of that policy which apply to you as a covered person
\nin a plan of group insurance insured by Aetna. The policy does not apply where
\na different approach is required by law.<\/p>\n
Information Which May be Collected<\/b><\/p>\n
Aetna, in providing insurance services to you, relies mainly on the information
\nyou give on your group enrollment form and when you file claims.<\/p>\n
Aetna may also collect information about you from other sources. This is
\ninformation necessary for Aetna to perform its function with regard to the
\ninsurance transaction in question. For example, if the amount or type of
\ncoverage you are entitled to depends on your earnings or job class, Aetna would
\nobtain that information from your Employer.<\/p>\n
Disclosure Of Information To Others<\/b><\/p>\n
All of this information will be treated as confidential. It will not be
\ndisclosed to others without your authorization, except in some instances where
\nsuch disclosure is necessary for the conduct of Aetna\u0092s business. Disclosure
\ncannot be contrary to any law which applies.<\/p>\n
The following sets forth the types of disclosure that may be made:<\/p>\n<\/p>\n\n\n\n\n\n\n
\u0095<\/td>\n <\/td>\nInformation may be made available to your Employer or his or her
\nrepresentative in connection with the claim and financial administration of the
\nPlan. This includes policyholder audits.<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nInformation may be disclosed to other insurers if there may be duplicate
\ncoverage or a need to preserve the continuity of your coverage.<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nInformation may be disclosed to Peer Review Organizations and other agencies
\nto determine whether health services were necessary and reasonably priced.<\/td>\n<\/tr>\n<\/table>\n
\n<\/p>\n
\n
 <\/h5>\n<\/p>\n
LIFE INSURANCE<\/b><\/p>\n
This Plan will pay as a Life Insurance benefit the amount of Life Insurance in
\nforce for you if you die from any cause while insured. You name your
\nbeneficiary. You may change your choice at any time.<\/p>\n
IS THERE A PERMANENT AND TOTAL DISABILITY FEATURE?<\/b><\/p>\n
Yes. If you become permanently and totally disabled, your insurance may be
\nextended. You will not have to make any further contribution. No premium
\npayments will be required from your Employer.<\/p>\n
You are permanently and totally disabled only if disease or injury stops you
\nfrom engaging in:<\/p>\n<\/p>\n\n\n\n\n
\u0095<\/td>\n <\/td>\nthe material and substantial duties of your own job during the first 12
\nmonths of the disability; and thereafter,<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nthe material and substantial duties of any gainful job for which you are
\nsuited by education, training or experience.<\/td>\n<\/tr>\n<\/table>\n
You must meet all of the following to be eligible:<\/p>\n<\/p>\n\n\n\n\n\n\n
\u0095<\/td>\n <\/td>\nYour Life Insurance must be in force when you become permanently and totally
\ndisabled.<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nYour permanent and total disability must have lasted for at least 6 months.<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nYou must furnish all proof when requested. Aetna has the right to examine
\nyou, at its expense, before approving the proof.<\/td>\n<\/tr>\n<\/table>\n
Aetna must receive written notice of claim for this extension at its Home
\nOffice within 12 months after you stop active work. Proof of the permanent and
\ntotal disability must be received no later than 12 months after premium
\npayments stop.<\/p>\n
This extended insurance will be the amount you were insured for on the date
\nyour total disability began.<\/p>\n
This extension period will stop on the first to occur of:<\/p>\n<\/p>\n\n\n\n\n\n\n
\u0095<\/td>\n <\/td>\nThe date Aetna sends you a request at your last address shown on Aetna\u0092s
\nrecords:<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n
 <\/td>\n <\/td>\nFor an exam, if you do not go for the exam within 31 days of that date.<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n
 <\/td>\n <\/td>\nFor proof that you are still permanently and totally disabled, if proof is not
\ngiven within 31 days of that date.<\/td>\n<\/tr>\n<\/table>\n\n\n
GR-9<\/b><\/td>\n1<\/b><\/td>\n<\/tr>\n<\/table>\n
\n
 <\/h5>\n<\/p>\n\n\n\n
\u0095<\/td>\n <\/td>\nThe date you are no longer permanently and totally disabled.<\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nThe date referred to in item (i) and (ii) below:<\/td>\n<\/tr>\n<\/table>\n\n\n\n
 <\/td>\n(i)<\/td>\n <\/td>\nif you become totally and permanently disabled prior to the date
\nyou attained age 62, the end of the calendar month in which you attain
\nage 65;<\/td>\n<\/tr>\n
 <\/td>\n(ii)<\/td>\n <\/td>\nif you become totally and permanently disabled on or after
\nthe date you attained age 62, the expiration of the number of months of
\ntotal disability, as determined from the following Table:<\/td>\n<\/tr>\n<\/table>\n
Table<\/b><\/p>\n
<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
 <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
Age When Permanent and<\/b><\/td>\n <\/td>\nMonths of<\/b><\/td>\n<\/tr>\n
Total Disability Commences<\/b><\/td>\n <\/td>\nTotal Disability<\/b><\/td>\n<\/tr>\n
\n
<\/td>\n		 <\/td>\n\n
<\/td>\n<\/tr>\n
62 but less than 63<\/td>\n <\/td>\n\n42 months<\/td>\n<\/tr>\n
63 but less than 64<\/td>\n <\/td>\n\n36 months<\/td>\n<\/tr>\n
64 but less than 65<\/td>\n <\/td>\n\n30 months<\/td>\n<\/tr>\n
65 but less than 66<\/td>\n <\/td>\n\n24 months<\/td>\n<\/tr>\n
66 but less than 67<\/td>\n <\/td>\n\n21 months<\/td>\n<\/tr>\n
67 but less than 68<\/td>\n <\/td>\n\n18 months<\/td>\n<\/tr>\n
68 but less than 69<\/td>\n <\/td>\n\n15 months<\/td>\n<\/tr>\n
69 or over<\/td>\n <\/td>\n\n12 months<\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
After insurance has been extended continuously for 2 years, Aetna will not
\nrequest an exam or proof more often than once in a 12 month period.<\/p>\n
When the extension period stops, you may be eligible to convert to an
\nindividual life insurance policy, as described in the \u0093Conversion Privilege\u0094
\nsection, as if your employment had ceased. However, if you become eligible for
\nlife insurance under any group policy within 31 days after the end of the
\nextension period, the privilege is not allowed.<\/p>\n
Extended Death Benefit<\/b><\/p>\n
If Aetna received proof, at its Home Office, that all of the following apply, it
\nwill pay your beneficiary the amount of Life Insurance which may be extended
\nunder the permanent and total disability provision:<\/p>\n<\/p>\n\n\n
\u0095<\/td>\n <\/td>\nPremium payments for your
\nLife Insurance case while
\nyou are totally disabled by
\ndisease or injury which
\nstops you from engaging in
\nthe duties of your own job.<\/td>\n<\/tr>\n<\/table>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n<\/tr>\n
GR-9<\/b><\/td>\n2<\/b><\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n
 <\/h5>\n<\/p>\n\n\n\n\n\n\n\n\n
\u0095<\/td>\n <\/td>\nYou die during the uninterrupted continuance of the total disability.<\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nDeath occurs no later than 12 months after premium payments from your employer cease.<\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nYou would have qualified for extended insurance except that:<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n
 <\/td>\n <\/td>\nyour total disability had not lasted at least 6 months; or<\/td>\n<\/tr>\n
 <\/td>\n<\/tr>\n
 <\/td>\n <\/td>\nthe required proof has not yet been received or approved by Aetna.<\/td>\n<\/tr>\n<\/table>\n
Written notice of your death must be given to Aetna at its Home Office within
\n12 months of your death. If it is not given, Aetna will not have to pay this
\nbenefit.<\/p>\n
When Aetna approves a claim for any benefit under this feature, the benefit
\nwill be in full settlement and satisfaction of Aetna\u0092s obligations.<\/p>\n
If any individual policy has been issued to you under the Conversion Privilege,
\nyour rights under this section may be restored. In order to restore those
\nrights, you must give up all such policies without claim, except for the return
\nof the premiums you paid.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n<\/tr>\n
GR-9<\/b><\/td>\n3<\/b><\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n
 <\/h5>\n<\/p>\n
GENERAL INFORMATION ABOUT YOUR
\nCOVERAGE<\/b><\/p>\n
WHEN DOES COVERAGE TERMINATE?<\/b><\/p>\n
Coverage under this Plan terminates at the first to occur of:<\/p>\n<\/p>\n\n\n\n\n
\u0095<\/td>\n <\/td>\nWhen employment ceases.<\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nWhen the group contract terminates as to the coverage.<\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nWhen you are no longer in an Eligible Class.<\/td>\n<\/tr>\n<\/table>\n
Ceasing active work will be deemed to be cessation of employment. If you are
\nnot at work due to one of the following, employment may be deemed to continue up
\nto the limits shown below.<\/p>\n
If you are not at work due to disease or injury, your coverage shall be
\ncontinued for up to 6 months from the start of the absence. It may be further
\ncontinued, until stopped by your Employer, but not beyond 12 months from the
\nstart of the absence.<\/p>\n
If you are not at work due to temporary lay-off or leave of absence, your
\nemployment may continue until stopped by your Employer, but not beyond the end
\nof the policy month after the policy month in which the absence started. The
\nterm \u0093policy month\u0094 is defined elsewhere in the group contract. See your
\nEmployer for this definition.<\/p>\n
If no Eligible Class of retired employees is shown, there is no coverage for
\nretired employees.<\/p>\n
In figuring when employment will stop for the purposes of termination of any
\ncoverage, Aetna will rely upon your Employer to notify Aetna. This can be done
\nby telling Aetna or by stopping premium payments. Your employment may be deemed
\nto continue beyond any limits shown above if Aetna and your Employer so agree
\nin writing.<\/p>\n
If you cease active work, ask your Employer if any coverage can be continued.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n<\/tr>\n
GR-9<\/b><\/td>\n4<\/b><\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n
 <\/h5>\n<\/p>\n
MAY GROUP LIFE INSURANCE BE CONVERTED?<\/b><\/p>\n
If any of your Life Insurance ceases because your employment ceases or you are
\nno longer in a class eligible for such insurance, or because of age, pension or
\nretirement, the amount of insurance which ceases (or a lesser amount if
\ndesired) may be converted to an individual life insurance policy.<\/p>\n
Your converted policy may be any kind of individual policy then customarily
\nbeing issued by Aetna for the amount being converted and for your age (nearest
\nbirthday) on the date it will be issued, except a term policy or one with
\ndisability or other supplementary benefits.<\/p>\n
When Life Insurance ceases because that part of the group contract discontinues
\nas to your employee class, and insurance on the life of the person has been in
\nforce under the group contract for at least 5 years in a row prior to such
\ndiscontinuance, the amount that ceases less the amount of any group life
\ninsurance for which the person becomes eligible within 31 days of
\ndiscontinuance may be converted to an individual policy. The maximum amount
\nthat can be converted by each person in any event is $10,000.<\/p>\n
In order to convert, written application must be made for an individual policy
\nand the first premium must be paid on it within 31 days after cessation of
\ninsurance for any of the above reasons.<\/p>\n
No evidence of insurability will be required.<\/p>\n
The individual policy will become effective at the end of the 31 day period
\nduring which conversion is possible.<\/p>\n
The premiums for the converted policy will be at Aetna\u0092s then customary rates
\nfor the same policy issued to any other person of the same class of risk and
\nage at the time the converted policy is to become effective.<\/p>\n
After an individual policy becomes effective for any person, that policy will
\nbe in exchange for all benefits and privileges under the group contract as
\nregards the person involved and the amount that could have been converted.<\/p>\n
However, for insurance on your life, if it is later determined that you were
\ntotally disabled at the time premium payments for your group life insurance
\nceased, you may be entitled to certain rights described in the Life Insurance
\nBenefits section.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n<\/tr>\n
GR-9<\/b><\/td>\n5<\/b><\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n
 <\/h5>\n<\/p>\n
IS THERE ANY LIFE INSURANCE AFTER TERMINATION?<\/b><\/p>\n
Yes. In most cases a person can apply for an individual policy under the
\nConversion Privilege within 31 days after his or her group life insurance
\nceases. If a person dies during this 31 days and before the individual policy
\ngoes into effect, the amount payable under the group contract is limited to the
\nmaximum that could have been converted. This limit applies even if he or she
\nhas not applied for or paid the first premium on the individual policy.<\/p>\n
ADDITONAL PROVISIONS<\/b><\/p>\n
The following additional provisions apply to your coverage.<\/p>\n<\/p>\n\n\n\n
\u0095<\/td>\n <\/td>\nYou cannot receive multiple coverage under this Plan because you are
\nconnected with more than one Employer.<\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nIn the event of a misstatement of any fact affecting your coverage
\nunder this Plan, the true facts will be used to determine the coverage
\nin force.<\/td>\n<\/tr>\n<\/table>\n
This document describes the main features of this Plan. Additional provisions
\nare described elsewhere in the group contract. If you have any questions about
\nthe terms of this Plan or about the proper payment of benefits, you may obtain
\nmore information from your Employer or, if you prefer, from the Home Office of
\nAetna.<\/p>\n
Your Employer hopes to continue this Plan indefinitely but, as with all group
\nplans, this Plan may be changed or discontinued with respect to all or any
\nclass of employees.<\/p>\n
CAN MY INSURANCE BE ASSIGNED?<\/b><\/p>\n
Life Insurance may be assigned only with Aetna\u0092s written consent and only if
\nyou assign all ownership as a gift. If you wish to do this, an assignment form
\nmust be completed by you. Then send 3 copies to Aetna\u0092s Home Office to be
\napproved. See your Employer for details. Neither your Employer nor Aetna
\nguarantees or assumes any obligation concerning any assignment.<\/p>\n
CLAIMS OF CREDITORS<\/b><\/p>\n
If allowed by law, Life Insurance benefits are exempt from legal or equitable
\nprocess for your debts. This also applies to the debts of your beneficiary.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n<\/tr>\n
GR-9<\/b><\/td>\n6<\/b><\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n
 <\/h5>\n<\/p>\n
BENEFICIARIES<\/b><\/p>\n
You may name or change your beneficiary by filing written request at your
\nEmployer\u0092s headquarters or at Aetna\u0092s Home Office. Ask your Employer for the
\nforms. The naming or any change will take effect as of the date you execute the
\nrequest. Aetna will be fully discharged of its duties as to any payment made by
\nit before your request is received at its Home Office.<\/p>\n
Any amount payable to a beneficiary will be paid to those you name. Unless you
\nstate to the contrary, if more than one beneficiary is named, they will share
\non equal terms.<\/p>\n
If a named beneficiary dies before you, his or her share will be payable in
\nequal shares to any other named beneficiaries who survive you.<\/p>\n
If no named beneficiary survives you or if no beneficiary has been named,
\npayment will be made as follows to those who survive you:<\/p>\n<\/p>\n\n\n\n\n\n\n
\u0095<\/td>\n <\/td>\nYour spouse, if any.<\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nIf there is no spouse, in equal shares to your children.<\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nIf there is no spouse or child, to your parents, equally or to the survivor.<\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nIf there is no spouse, child or parent, in equal shares to your brothers and sisters.<\/td>\n<\/tr>\n
\u0095<\/td>\n <\/td>\nIf none of the above survives, to your executors or administrators.<\/td>\n<\/tr>\n<\/table>\n
HOW AND WHEN SHOULD CLAIMS BE REPORTED?<\/b><\/p>\n
A claim must be submitted to Aetna in writing. It must give proof of your death
\nor disability. Your Employer has claim forms. All claims should be reported
\npromptly.<\/p>\n
HOW WILL BENEFITS BE PAID?<\/b><\/p>\n
Benefits will be paid as soon as the necessary written proof to support the
\nclaim is received. Any death benefit for your loss of life will be paid in
\naccordance with the beneficiary designation. Payment will be made in one sum
\nunless you have elected an installment method which has been agreed to by
\nAetna. If you do not do so prior to your death, your beneficiary will have this
\nright before any payment is made. The methods of settlement allowed will be
\nthose offered by Aetna under the individual life insurance policies Aetna is
\nissuing when the election is made.<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n<\/tr>\n
GR-9<\/b><\/td>\n7<\/b><\/td>\n<\/tr>\n<\/table>\n
<\/center><\/p>\n
\n
 <\/h5>\n<\/p>\n
Life & Casualty<\/b><\/p>\n
Aetna Life Insurance Company
Hartford, Connecticut<\/p>\n
<\/p>\n\n\n\n
 <\/td>\n <\/td>\n<\/tr>\n
7\/93 \u0096 700<\/b><\/td>\nPRINTED IN U.S.A.<\/b><\/td>\n<\/tr>\n<\/table>\n
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