3
Selection of Your Principal Sum
If you were previously insured for less than $25,000, you may select the Principal Sum of $25,000.
If the amount for which you were previously insured appears in the PREMIUM SCHEDULE, you may select that amount
or any lower amount shown, but not less than $25,000.
If the amount for which you were insured does not appear on the PREMIUM SCHEDULE, you may select either a lower
figure or the next higher figure. (For example, if you were insured for $65,000 and want a higher amount, you may select
$75,000.)
If you insure your spouse and/or dependent child/ren under the Family Plan, the amount of insurance applicable to
members of the family is based on the composition of the family at the time of loss, and is expressed as a percentage of
your Principal Sum, as follows:
1) At time of loss the family consists of You, Your Spouse and Dependent Children
Employee .................................................................................................... 100%
Spouse .......................................................................................................... 40%
Each Child ..................................................................................................... 10%
2) At time of loss the family consists of You and Your Spouse but NO Dependent Child/ren
Employee .................................................................................................... 100%
Spouse .......................................................................................................... 50%
3) At time of loss the family consists of You and Your Dependent Child/ren but NO Spouse
Employee .................................................................................................... 100%
Each Child ..................................................................................................... 15%
Example: Under the Family Plan, you elect $100,000.
The family consists of you, your spouse, and three children.
Your Amount ................... $100,000.00
Your Spouse’s Amount ....... 40,000.00
Each Child’s Amount .......... 10,000.00
Limitations and Exclusions
The policy does not pay for loss caused by intentionally self-inflicted injuries; suicide (in Missouri, while sane); act of war,
declared or undeclared; loss resulting from accidents occurring while serving on full-time duty in the Armed Forces (pre-
mium will be prorated and returned for such period); commission of a felony by an insured; sickness, disease or infirmity.
Air travel is included while the insured person is traveling as a passenger only, in any plane, including MAC (Military Airlift
Command) or similar service of another country—but excluding travel in experimental or testing aircraft, or aircraft
designed for use beyond the earth’s atmosphere; hang gliding; parachuting (except for self-preservation); and while
serving as a pilot, crewmember, or student taking a flying lesson, in any aircraft.
General Information
The policy is renewable with Company consent until you reach age 70. The Company may change renewal premium
rates only on a class basis, not on an individual basis.
You may cancel at any time after the policy’s original term.
If you are insured under more than one LINA group contract with your present employer, you may convert each but a
separate application should be completed for each conversion.
Note: This individual insurance is not available if the Company has already issued you an individual AD&D policy con-
verted from a previous employer's plan.