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Universal Life Extra Insurance

2013 Open Enrollment Schedule

Florida A&M University January 28 - April 26  FAMU Open Enrollment Brochure
Univ. of North Florida February 4 - May 3  UNF Open Enrollment Brochure


Issued by Signator Life Insurance Company

Universal Life Extra is a flexible premium universal life insurance policy with a No Lapse Endorsement which guarantees coverage will stay in force for the life of the insured as long as the minimum monthly premiums are paid on time and no loans or withdrawals are taken. If the insurance amount remains unchanged, policy premiums remain level regardless of fluctuating interest rates and costs of insurance.*
The individual life insurance policies that are available during this open enrollment offer valuable protection for your family. The open enrollment allows you to obtain life insurance protection at standard risk rates (no medical exam required).

Amounts of Insurance
During the Open Enrollment period, you may apply for any amount of insurance you wish, up to four times your salary, with a maximum limit of $250,000. Employees between the age of 66 and 70 are eligible for a maximum of $25,000. The new amount of coverage plus any amount of Guaranteed Issue Permanent Life Insurance previously issued to you by the Company cannot exceed the lesser of four times salary or $250,000. Your spouse may be eligible to apply for up to $50,000 in coverage, if you have an in force policy; or are applying for one of the same amount or higher. Larger amounts are available for you, your spouse and dependent children by providing evidence of insurability satisfactory to the company.

Full-time employees in a benefit-eligible position or part-time employees with 0.75 FTE in a benefit-eligible position, age 70 or under may apply, provided they are actively at work on the date of application and on the date the coverage is scheduled to take effect. If you are age 71 or older, or you apply outside of the Open Enrollment period, you may still apply for this insurance, subject to the Company's normal underwriting requirements. Spouse insurance is available up to age 65.

Individual Policies
When you receive your policy, control of the policy will rest entirely with you. If you should change employment or retire, premium payment may be continued to the Company on an individual premium basis. At that time you will receive full credit for all previous payments made, the level premiums in the policy will not increase and no conversion is required.

Additional Benefits
These benefits are included in every policy:
- Accelerated Death Benefit: A Benefit that pays up to 100% of the policy's available death benefit in advance of the insured's death, if the insured is diagnosed as terminally ill.**
- Safety Benefit: An additional $10,000 death benefit paid if the insured dies in a motor vehicle accident while wearing a seatbelt, to promote automobile safety.
- Transportation Benefit: An additional $5,000 death benefit paid to help cover the cost of transporting a deceased insured back to their principal residence.

Our experienced representatives will be available to quote premiums and thoroughly explain the benefits on all available products.

*No Lapse Endorsement (NLE) is automatically included on all policies issued with death benefit option A that do not include a sub-standard rating, Guaranteed Insurability Option (GIO) or Accidental Death Benefit (ADB). NLE will terminate if a GIO or an ADB is added to the policy or if the death benefit option is changed.

** The death benefit accelerated will be discontinued as it is an early death benefit payment and reduced by loans, loan interest, and withdrawals. Receipt of accelerated benefits may be taxable and assistance should be sought from a personal tax advisor. Receipt of the maximum accelerated benefit will terminate the policy.

Note: The life insurance products are offered by The Gabor Agency Inc, a licensed insurance agency and Signator Universal Life Extra is a flexible premium universal life policy issued by Signator Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, policy form number L-9994-10/07 FL. Signator Life Insurance Company and the other subsidiaries under Signator Financial Corporation are not affiliated with The Gabor Agency, Inc.

For more information, contact the Gabor Agency at (800) 330-6115, option 6.

Securities offered through Signator Financial Services, Inc
10500 NE 8th St., Suite 720, Bellevue WA 98004
(800) 469-7667

The Gabor Agency, Inc. is not a subsidiary or an affiliate of Signator Financial Services, Inc.

The Gabor Agency, Inc., 1410 Piedmont Drive East, Tallahassee FL 32308, 800-330-6115