United will pay the amount of your life insurance to your beneficiary upon receipt at our Home Office of proof that your death occurred while the policy was in force.

Your amount of life insurance as an ACTIVE employee or official will be:

- two times your annual salary to a maximum of $200,000*

or if you select the Reduced Benefit Plan

- one times your annual salary to a maximum of $50,000.

In all cases, the amount of coverage will be rounded up to the next higher multiple of $1,000.

If you are covered under more than one plan of life insurance provided by the policyholder, your amount of coverage will only be that of the plan providing the highest amount of coverage.

If you are a part-time employee, your insurance will be determined by projecting your salary to an annual basis as though you were a full-time employee.

Your amount of life insurance as a RETIRED employee is 25% of your life insurance in force immediately prior to your retirement. This amount is rounded up to the next $100, provided you retired after July 1, 1974.

*This life insurance limit may not be applicable to employees who are covered by certain collective bargaining agreements.

BENEFICIARY

Your beneficiary is named in the insurance forms you sign when you enroll for coverage under the policy.

If at the time of your death no named beneficiary survives you, your amount of life insurance will be paid to your spouse, if living; otherwise equally to your surviving natural born and adopted children; otherwise equally to your surviving parents; otherwise equally to your surviving brothers and sisters; otherwise to your estate.

BENEFICIARY CHANGE

Your beneficiary may be changed unless you previously selected an irrevocable designation. To change your beneficiary, contact your Personnel Office or Office of Retirement Services to complete a new Enrollment and Beneficiary Change Form.

Next: Group Life Insurance for Your Dependent