When will my coverage become effective?

Insurance will take effect on the first day of the month on or following the date your coverage is approved by ReliaStar Life, provided the initial premium is paid within 31 days. For insurance to take effect, you need to be performing the normal duties of a person in good health of like age.

When will my coverage end?

Coverage will end upon the policy anniversary date or after the insured person reaches age 75, or earlier if (1) You fail to make payment of premiums when due; (2) You request for such insurance to end; (3) If the Group policy is terminated.

How often are premiums renewed?

Premiums remain level for an initial 10-year period.* At the end of the 10-year period, coverage will automatically renew without evidence of insurability. Renewal premiums are not guaranteed and will be based on your then attained age and will increase as you age. However, if you are under age 65 you may apply for a subsequent 10-year period at a guaranteed level rate based on your then attained age, subject to submission of satisfactory medical evidence.

*The initial premium will not change for the first 10 years unless the insurance company exercises its right to change premium rates for all insureds covered under the group policy with 60 days advance written notice.

Insurance provided by ReliaStar Life Insurance Company, a member of the ING family of companies. Policy form LP00GP.