SI 9178 1 of 7 (1/13)
INSTRUCTIONS – PLEASE READ CAREFULLY
Portability Of Insurance
You may be eligible to buy portable Group Life Insurance if your employment with your employer terminates. If your employer’s
Group Life Insurance plan includes Accidental Death and Dismemberment (AD&D) and/or Dependents Insurance, you may
also be eligible to buy those coverages.
To be eligible, you must meet the following requirements:
1. You must have been continuously insured under your employer’s Group Life Insurance plan for at least 12 consecutive
months on the date your employment terminates.
2. You must be able to perform with reasonable continuity the material duties of at least one gainful occupation for
which you are reasonably fi tted by education, training and experience on the date your employment terminates.
3. You must be under age 65 on the date your employment terminates.
4. If you do not buy Life Insurance for yourself, you may not purchase any other insurance coverages.
The minimum and maximum amounts of insurance eligible for Portability Of Insurance are shown in your employer’s Group
Life Insurance plan. The amounts of insurance you purchase under the Portability Of Insurance provision cannot be increased.
NOTE: Refer to the Right To Convert provision in your employer’s Group Life Insurance plan for information regarding eligibility
to convert to an individual life insurance policy. The combined amounts of insurance you purchase under the Portability Of
Insurance provision and insurance you convert may not exceed the amount for which you or your Dependents were insured on the
day before your employment terminates. You may also wish to contact an independent insurance agent to discuss other alternatives.
How to Apply
You must apply in writing and pay the fi rst premium to us within 31 days after the date your employment terminates. This
packet has two forms: one for you and one for your employer. You are responsible for making sure all required forms are
completed and returned to our offi ce. Processing will begin when both fully-completed forms and all applicable enrollment
forms are received by us. If you have questions, please contact our offi ce at the phone number shown above.
Premium rates are shown on Page 2 of this application, and are subject to increase with advancing age. Premium rates may be changed
by Standard Insurance Company (The Standard) with advance written notice. Approved applicants will be billed quarterly (every three
months). Checks are to be made payable to The Standard. Premium must be received by the due date.
If your application is approved, you will receive a Group Life Portability Insurance certifi cate which will provide a complete
description of coverage. The Group Life Portability Insurance certifi cate will contain provisions that will be different from
your employer’s Group Life Insurance plan.
Please note:
Approved amounts will be reduced or terminated according to the terms of the Group Life Portability Insurance Policy.
Group Life Portability Insurance ends automatically on the earliest of:
1. The date it would otherwise end under the Group Life Portability Insurance Policy.
2. The date the last period ends for which we received the required payment.
3. The date the Group Life Portability Insurance Policy terminates.
4. The date you become a full-time member of the armed forces of any country.
5. For any AD&D Insurance:
a. The date you reach age 65.
b. The date your Life Insurance ends.
6. For any Spouse Insurance, the date of your divorce or legal separation.
7. For any Dependents Insurance:
a. The date your portable Life Insurance ends.
b. The date the Dependent ceases to be a Dependent.
8. Your check will be deposited into a conditional receipts account while your application is pending. This does not
constitute approval of your application or waiver of the policy’s eligibility requirements. If we determine that you are
not eligible for coverage, all funds will be returned to you.
Benefi ciary Designation
Benefi ciary designations that you made under your employer’s Group Life Insurance plan will not apply to Group Life Portability
Insurance. If you wish to designate a benefi ciary for Group Life Portability Insurance, please complete the Benefi ciary section
on Page 4. If you do not designate a benefi ciary, payment of any benefi t will be made in accordance with the Benefi t Payment
and Benefi ciary Provisions of the Group Life Portability Insurance Policy.
Group Life Portability Insurance Application
Standard Insurance Company
800.378.4668 ext. 6785 800.331.3397 Fax
920 SW Sixth Avenue Portland OR 97204-1203