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Life/AD&D
Guardian |Basic Life and AD&D Guardian | Voluntary Life and AD&D
This coverage is provided by iFLY at In addition to the company provided Basic Life and AD&D
no cost to you benefits, you may elect to purchase additional Term Life
Life insurance protects your family or and AD&D insurance at discounted group rates provided by
other beneficiaries in the event of your Guardian. You pay for this coverage with after-tax dollars
death while you are still actively employed through convenient payroll deductions.
with the company.
Voluntary Life and AD&D
Accidental Death and Dismemberment
(AD&D) coverage provides an additional Team Member
benefit to your beneficiary if your death is You may purchase coverage for yourself in increments of
due to a covered accident or injury. $10,000 up to a maximum benefit of $500,000.
Spouse or Registered Domestic Partner
iFLY pays for Life and AD&D coverage, If you buy coverage for yourself, you may also purchase
offered through Guardian. coverage for your eligible spouse or registered domestic
partner in $5,000 increments to a maximum benefit of
Basic Life and AD&D $250,000 or 50% of amount selected for Team Member.
Flat $20,000 Child(ren)
If you buy coverage for yourself, you may also purchase
coverage for your eligible dependent child(ren). Benefits for
your child(ren) are available in the amount of $10,000 ($500
for infants).
Guarantee Issue
Guarantee issue is a pre-approved amount of coverage that
does not require you to provide proof of good health, and is
Choosing a Beneficiary available to you during your initial eligibility period (upon
hire). Guarantee issue is available in the following amounts:
A beneficiary is a person or entity who Team Member: $200,000
you designate to receive your death Spouse or Registered Domestic Partner: $50,000
benefits. Choosing a beneficiary and Child(ren): Entire benefit amount ($10,000)
keeping your beneficiary up-to-date is
an essential part of owning life If you are no longer in your initial eligibility period, you may
insurance. Please remember to review enroll in Voluntary Life insurance anytime during the year
your beneficiary designation as new as long as you provide proof of good health. To provide
situations arise, such as the birth or proof of good health, you will be asked to complete a health
adoption of a child, marriage, or questionnaire (Evidence of Insurability) and are subject to
divorce. You may login to UltiPro to insurance carrier approval. Guardian may approve or
change your Beneficiary as needed. decline coverage based on a review of your health history.
During open enrollment for a January 1st effec ve date, you may
increase your current coverage to $50,000 up to the guarantee issue
benefit amount of $200,000 without comple ng an Evidence of
Insurability (EOI) form.
WillPrep Services
As a supplement to your Life/AD&D benefits, Guardian’s WillPrep Services offer support and
guidance to help you adequately prepare the documents necessary to preserve your
family’s financial security.
To Get Started
Go to www.ibhwillprep.com (Username: WillPrep | Password: GLIC09) or call (877) 433-
6789.
18 Team Member Benefits
