There is a $10,000 base insurance plan purchase needed for members to purchase any further supplemental insurance.

$1000 of coverage is provided, under this program, to all active members of the Montana National Guard at no charge. In addition, $10,000 of term life insurance may be applied for during your initial enrollment period without furnishing evidence of insurability. Coverages in excess of $10,000, as well as coverage applied for after your initial enrollment period, are subject to proof of good health. Any exam, if needed, is paid for by the insurance company. This plan is underwritten by ReliaStar Life Insurance Company.

• Premiums waived for member if disabled before age 60
• Early payout for terminal illness to use as you see fit
• Life insurance payable in event of death from any cause

  No war exclusion

  No suicide exclusion

  No aviation exclusion

  No Hazardous Duty or Civilian Occupation Restriction

• Full conversion privilege upon policy maturity or if you should leave the service regardless of health

Your primary beneficiary will be eligible for an immediate death benefit of up to $10,000 within 24 hours of notification from the Association to ReliaStar Life Insurance Company. This benefit is designed to help with the immediate expenses surrounding the death of a member. Any death benefit payable in excess of $10,000 will be paid upon receipt of claim forms at ReliaStar's Home Office.

INDIVIDUAL POLICY TERMINATION

Basic member coverage ($1,000 benefit) terminates at age 60, or on the last day of the month in which the member is active in the National Guard. At insured's age 60, any optional coverage purchased (including Spouse and Spouse Dependent coverage) will be reduced by 50%, and the premium will remain the same. Optional coverage terminates at age 65.

CONTINUATION OF COVERAGE