Life Insurance Plan Highlights

• Insured by Metropolitan Life Insurance Company
• Three coverage limits available:
• $25,000 Life and AD&D
• $50,000 Life and AD&D
• $100,000 Life and AD&D

Optional Family Coverage

• Flat rate of $9.00 per month or $108.00 annually

• $10,000 Dependent Spouse/Domestic Partner

• $5,000 Child Coverage

• Dependent/Unmarried Child Coverage to age 26
  

Additional AD&D Policy Benefits include:

• Seat Belt & Airbag Benefit
• Child Care Benefit
• Life Advice®
• Total Control Account®
• Accelerated Benefits Option* - Allows terminally ill members the option receiving up to 80% of the policy benefit amount

What’s Not Covered?

Like most insurance plans, this plan has exclusions. For instance, Supplemental and Dependent Life Insurance do not provide payment of benefits for death caused by suicide within the first two years (one year in North Dakota) of the effective date of the certificate, or payment of increased benefits for death caused by suicide within two years (one year in North Dakota or Colorado) of an increase in coverage. Please note that a reduction schedule may apply. Please see your plan administrator or certificate for specific details.

Accidental Death & Dismemberment insurance does not include payment for any loss which is caused by or contributed to by: physical or mental illness, diagnosis of or treatment of the illness; an infection, unless caused by an external wound accidentally sustained; suicide or attempted suicide; injuring oneself on purpose; the voluntary intake or use by any means of any drug, medication or sedative, unless taken as prescribed by a doctor or an over-the-counter drug taken as directed; voluntary intake of alcohol in combination with any drug, medication or sedative; war, whether declared or undeclared, or act of war, insurrection, rebellion or riot; committing or trying to commit a felony; any poison, fumes or gas, voluntarily taken, administered or absorbed; service in the armed forces of any country or international authority, except the United States National Guard; operating, learning to operate, or serving as a member of a crew of an aircraft; while in any aircraft for the purpose of descent from such aircraft while in flight (except for self preservation); or operating a vehicle or device while intoxicated as defined by the laws of the jurisdiction in which the accident occurs.

Additional Information

Life and AD&D coverages are provided under a group insurance policy (Policy Form TS 05726224-G) issued to NAPA by MetLife. Life and AD&D coverages under NAPA’s plan terminate when your membership ceases when your Life and AD&D contributions cease or upon termination of the group contract. Dependent Life coverage will terminate when a dependent no longer qualifies as a dependent or if the member's coverage is terminated for any reason. Should your life insurance coverage terminate for reasons other than non-payment of premium, you may convert it to a MetLife individual permanent policy without providing medical evidence of insurability.

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Life Insurance Plan Eligibility

No Statement of Health form required within the first 30 days of association membership for the following amounts:

• Members under the age of 70 years old can purchase up to $50,000
• Members age 70 and over can purchase up to $25,000
• Purchase up to $100,000 through standard group underwriting (requires a Statement of Health form).
• Any application for coverage after the first 30 days of association membership will require a Statement of Health form.

Plan Options & Rates

	Coverage Amount
	$25,000		$50,000		$100,000
Age Band:	Annual	Monthly	Annual	Monthly	Annual	Monthly
< 30	$25.50	$4.63	$51.00	$6.75	$102.00	$11.00
30-34	$31.20	$5.10	$62.40	$7.70	$124.80	$12.90
35-39	$33.90	$5.33	$67.80	$8.15	$135.60	$13.80
40-44	$36.60	$5.55	$73.20	$8.60	$146.40	$14.70
45-49	$53.40	$6.95	$106.80	$11.40	$213.60	$20.30
50-54	$75.90	$8.83	$151.80	$15.15	$303.60	$27.80
55-59	$137.10	$13.93	$274.20	$25.35	$548.40	$48.20
60-64	$209.70	$19.98	$419.40	$37.45	$838.80	$72.40
65-69	$396.60	$35.55	$793.20	$68.60	$1,586.40	$134.70
70-74	$639.30	$55.78	$1,278.60	$109.05	$2,557.20	$215.60
75-79	$954.60	$82.05	$1,909.20	$161.60	$3,818.40	$320.70
80+	$1,311.60	$111.80	$2,623.20	$221.10	$5,246.40	$439.70

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MetLife Is The Right Partner

• With more than 140 years of industry experience, MetLife has the financial strength and stability to fulfill our promises today and over the long haul. We’ve made Group Life our business since 1917.
• MetLife has been the leading provider of Group Life benefits for over 25 years
  - A.M. Best, August 2008.
• MetLife serves 29,000 Group Life customers, covering more than 38 million participants
  - MetLife Internal Issue & Inforce Group (IIG) Life Coverage Details Report, December 2008.
• MetLife provide not only the claims service that beneficiaries need and expect at this time, but we have also created a program to support them in making important financial and personal decisions.
• In 2008, 100% of our Group Life customers were satisfied with their overall experience, and 97% were satisfied with MetLife’s processing of participants’ life insurance claims.
  - 2007 MetLife Account Management Surveys. Based on responses from those who participated and responded to the survey.
• 93% of beneficiaries report being satisfied with the overall beneficiary claims experience, including being very satisfied with the clarity of instructions received from MetLife, and the ease of processing their claim and payment accuracy.
  - MetLife Group Life Beneficiary Satisfaction Survey, 2008.

*The Accelerated Benefits Option is subject to state availability and regulation.The accelerated life insurance benefits offered under your certificate are intended to qualify for favorable federal tax treatment. If the accelerated benefits qualify for favorable tax treatment, the benefits will be excludable from your income and not subject to federal taxation. This information was written as a supplement to the marketing of life insurance products.Tax laws relating to accelerated benefits are complex and limitations may apply. You are advised to consult with and rely on an independent tax advisor about your own particular circumstances. Receipt of accelerated benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs.You are advised to consult with social service agencies concerning the effect that receipt of accelerated benefits will have on public assistance eligibility for you, your spouse or your family.