COA Group Insurance Program

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It’s important for you to take care of your family’s day-to-day needs – both now and should anything ever happen to you…

Would there be enough money to help pay for your final expenses, the family house and utility payments, or day-to-day living costs…?

Chances are … no. If you’re like those parents recently surveyed, 56% believe their current life insurance coverage is inadequate to help meet day-to-day living expenses if one spouse were to die.¹

Right now, you can help secure for your family everything they’ll need if you were ever taken “out of the picture." You can apply now for what you need and verify your good health by answering three health questions. There's no physical and no blood work involved.

Your spouse may also apply for the same amount of protection as you. If you are currently covered, he or she may apply for coverage on their own. He or she will also be able to keep their coverage in the event you cancel your Term Life policy or you pass away.

Plus you pay an affordable group rate, thanks to the group purchasing power of COA. Please reference the 'Rates' tab to view the rates chart.

¹ http://www.limra.com/PDFs/NewsCenter/Materials/07USFAQ.pdf, .LIMRA International, American Families at Risk, 2007.

Up to $100,000.00 in Life Insurance Coverage to Members

As a COA member under age 65, in good standing, and a resident of the U.S., its territories and protectorates, you are eligible for this valuable term life coverage up to $100,000.00 (100 units). Benefits reduce by 50% at the age of 65.

Your Spouse/Dependent Qualifies

Pays “Living Benefits” if You’re Terminally Ill

If you or your spouse is terminally ill with a life expectancy of 12 months or less, and you are covered for at least $10,000, you may request that a portion of the death benefit be paid early. The minimum benefit is $5,000 and the maximum benefit is $100,000 not to exceed 50% of the covered person’s benefit amount.

Choose Your Beneficiary

Please designate your beneficiary on the application. You may designate anyone you would like. If you do not designate a beneficiary, your benefits will be paid to your spouse, your children, your parents, your siblings, or the executors or administrators of your estate, in that order. If you have selected insurance for your spouse or domestic partner, you will automatically be designated as the beneficiary.

Apply Today

You can download, complete, sign and return the application. Send no money now. It’s that easy.

30-day FREE Look

When you receive your Certificate of Insurance, please read it carefully. If you’re not completely satisfied, simply return your Certificate, without claim, within 30 days. If you’ve paid any premium, it will be promptly refunded. No questions asked.

When Coverage Begins: Your coverage will become effective on the first day of the month following the Administrator’s receipt of your application, approval and first premium payment. If on this date you are not actively at work for 30 hours plus per week, or unable to carry on all the normal and customary activities of a person of like age and gender, in good health, if not employed, you will not be covered until you have been actively at work for 30 hours plus per week or been able to carry on all normal and customary activities for 90 consecutive days.

When Coverage Ends: As long as you pay your premiums when due, and the Master Policy remains in force, it’s possible to keep this coverage until you reach age 70. Coverage terminates on the premium due date coinciding with or next following your attainment of age 70. Policy age limit is 70.

Exclusions: Suicide is not covered during the first two years of coverage. Benefits paid for death caused by suicide while sane or insane (in Missouri, while sane) within the first two years of the effective date of insurance are limited to a refund of your premiums paid.

Definitions:

Spouse means your spouse who is under age 65; and is not legally separated or divorced from you. Coverage for Spouse terminates on the premium due date coinciding with or next following insureds attainment age of 70.

Totally disabled means you are wholly or continuously prevented from performing any work or occupation for wage or profit for which you are reasonably qualified or trained; or if not employed, engaging in the normal activities of a person like age and gender in good health; as a result of injury or sickness.

This website explains the general purpose of the insurance described, but in no way changes or affects the policy or Master Policy AGL-1299 as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life Insurance Company 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 Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

MIB Notice:
Acceptance into this plan and premium rate is subject to medical evidence of insurability as determined by The Hartford and underwriting guidelines. As part of the evidence of insurability process, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at no expense to you.

Sponsored by: COA Group Insurance Program
Underwritten by: Hartford Life Insurance Company Simsbury, CT 06089 Policy form # PA-9199 (1299) (HL) (SI-Life Q2)

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life Insurance Company.

John B. Wigle, License No. 0482924

COA Group Insurance Program Administered by:
A.G.I.A., Inc.
PO BOX 9947
Phoenix, AZ 85068
Questions? Call toll-free 1-888-633-6459

Group Term Life:
Up to $100,000

Individual Term Life:
Up to $10 Million

Activate Your COA Group Term Life Benefits Now

NO RISK WITH 30-DAY FREE LOOK
You don’t risk a penny today because you’re fully backed by our 100% Satisfaction Guarantee.

Your official Certificate of Insurance outlines the full terms and conditions of this special COA program. Take up to 30 days to look it over. If it’s not what you had in mind, mail back the Certificate for a 100% refund; less any claims paid.