THE UNDERWRITER
Indy+Plus Term Life and AD&D Insurance is underwritten by Certain Underwriters at Lloyd's, London.

THE BENEFITS

Term Life Insurance:
You may select from the following Principal Sum plans:
$25,000 per employee
$50,000 per employee
1 X Annual Salary, minimum $25,000, maximum $100,000*
2 X Annual Salary, minimum $25,000, maximum $100,000*
3 X Annual Salary, minimum $25,000, maximum $100,000*

* Higher amounts are available, subject to full medical underwriting and approval.

Accidental Death and Dismemberment

Daily Indemnity Insurance $75 per day in Hospital
Daily Indemnity Insurance Benefits are paid directly to the employee. In order to receive benefits the Hospitalization must be covered under the Indy+Plus Medical Benefit Plan. Hospitalization due to Maternity is excluded.

ELIGIBILITY
If you are eligible for Indy+Plus Medical Benefits, you are eligible for Indy+Plus Term Life and AD&D insurance and Daily Indemnity Insurance. The only exceptions are:
1. All benefits reduce 50% at age 65 and terminate at age 70 or retirement, whichever first occurs.
2. Benefits do not become effective until the employee initially departs the US.

UNDERWRITING REQUIREMENTS
The requirements are the same as the requirements for Indy+Plus Medical Benefits. Term Life and AD&D Insurance is required for groups of 20 or less employees.