Hartford Life Insurance Policy ADD‑9393 for Fleet Reserve Association

What is ADD‑9393?

ADD‑9393 is a group life insurance policy offered by Hartford specifically for members of the Fleet Reserve Association. It provides a base death benefit to each enrolled member and includes optional riders that can be added to tailor coverage. The policy is designed to offer financial security for families while keeping administrative costs low for the association.

Key Coverage Features

Primary benefit: a fixed death benefit payable to the designated beneficiary. Optional riders include accidental death & dismemberment, critical illness, and waiver of premium. The policy also allows a term extension for members who leave the association but wish to maintain coverage.

Eligibility and Enrollment

Members must be active Fleet Reserve Association participants and complete a health questionnaire. The policy is typically offered as a voluntary benefit; however, the association can mandate enrollment for certain member categories. Enrollment deadlines align with the association's annual meeting schedule.

How to Apply

To apply, contact Hartford's Fleet Reserve liaison or visit the association's benefits portal. Submit the required application forms and health questionnaire. Once processed, the policy becomes effective on the start date specified in the application. Premiums are usually deducted from the member's payroll or paid directly.

Reviewing Your Policy

Members should verify the death benefit amount, rider selections, and beneficiary designations. It is advisable to compare the policy's cost against other group life options if the association offers multiple carriers. Check for any exclusions, such as coverage limits for self‑employed members or specific health conditions.

Common Questions

1. Can I change my beneficiary? Yes, beneficiaries can be updated by submitting a beneficiary change form to Hartford.

2. What happens if I leave the association? The policy may offer a term extension option; otherwise, coverage ends upon departure.

3. Are there tax implications? Premiums are typically tax‑free for the member and tax‑deductible for the association, but individual circumstances may vary.