Benefit Continuation - Brotherhood of Locomotive Engineers and Trainmen BNSF C&S

As a terminating participant in the Voluntary Term Life and Accidental Death and Dismemberment (AD&D) programs provided by Brotherhood of Locomotive Engineers and Trainmen - BNSF C&S and underwritten by Principal Life Insurance Company, you may have options for continuing coverage.

  • Portability of Life Insurance and AD&D - Extend or "port" your current coverage, without any medical questions.
  • Conversion of Life Insurance - Change or "convert" your coverage to individual universal life insurance, without any medical questions.
  • Dental Discount Plan - Get immediate access to dental savings for anyone, at any age.

If you participate in the Voluntary Term Life/AD&D insurance program, you have the option of porting the coverage in lieu of conversion. You select the amount of coverage you wish to maintain. Proof of good health is not required unless you elect to increase your coverage amount. The minimum amount of coverage you may continue is $10,000.

You may also elect to continue coverage for any covered dependents if you continue your coverage. Proof of good health is not required unless you elect to increase a dependent's coverage amount.

To continue this insurance coverage, complete the Portability Application. It's not necessary for you or your former employer to complete the "Employer to Complete" section.

The portability rates are included on the Rates document.

Please refer to your certificate of coverage regarding any limitations and termination provisions for this coverage. If you no longer have a copy of this, one will be provided upon your request. You must apply for this coverage within 60 days of losing coverage.

After completing the application, send it and your check for the first month's premium to:

Principal Life Insurance Company
Life Portability
Des Moines, Iowa 50392-0002

You'll then receive a letter from Principal Life explaining your coverage amounts and benefits as well as when and how to make future direct premium payments.

Individual Purchase Rights (conversion) allow qualifying individuals previously covered under Voluntary Term Life policies, to buy individual life insurance coverage without proof of good health. Coverage is provided through an individual Life Insurance policy issued by Principal Life Insurance Company and Principal National Life Insurance (except in NY). Dependents may also convert their Voluntary Term Life coverage independent of the employee's conversion. The minimum amount of coverage you may convert is $1,000 to the maximum amount of insurance you had under your prior policy.

To continue this insurance coverage, complete the Conversion Application. Please refer to the Instructions & Rates for assistance in completing the application. It's not necessary for you or your former employer to complete the "Employer to Complete" section.

Premium rates can be found on page 3 of the instructions document. You must apply for this coverage within 31 days of losing coverage.

Once the application is completed, please send it and your check for your first premium payment to:

Principal Life Insurance Company
Life Conversion
Des Moines, Iowa 50392-0002

Not everyone has dental coverage. That’s where New Dental Choice comes in. New Dental Choice is a comprehensive dental discount plan brought to you by Principal. Available to anyone at any age, it’s a great fit for people who are no longer covered by an employer’s policy, don't have access to dental insurance or need a procedure their policy doesn’t cover. Members receive immediate, unlimited access to affordable dental care from their choice of more than 100,000 participating dentist locations nationwide.

It’s easy to start saving!

  • Join today. Just complete a quick online form and you can start saving on your dental care today.
  • Find a New Dental Choice dentist. Our network dentists are located across the country. A general dentist or specialist near you is just a search away. In fact, your current dentist may already participate. If not, you can nominate him or her to join the network. New Dental Choice will contact your dentist for you.
  • Get fixed, discounted rates on the quality dental services you need. For one low membership fee, you receive access to more than 300 dental procedures discounted between 15% and 60% over dentists’ usual charges.
  • Present your membership card for discounted rates. New Dental Choice is different than insurance — there are no deductibles, no waiting periods, no spending limits and no paperwork. Just provide your New Dental Choice membership card to any participating dentist and pay the office directly when you receive your care.

Visit NewDentalChoice.com to learn more and sign up for your membership.

This is not an insurance contract or plan document, and does not summarize all provisions. If any provision presented here is found to conflict with federal or state law, that provision will be applied to comply with federal or state law. The group policy or plan document determines all the rights, benefits, limitations and exclusions of the coverage described here. For details, refer to your benefit booklet. Insurance products issued by Principal National Life Insurance Co. (except in NY) and Principal Life Insurance Co. Securities offered through Principal Securities, Inc., 800-247-1737, Member SIPC and/or independent broker/dealers. Principal National, Principal Life and Principal Securities are members of the Principal Financial Group®, Des Moines, IA 50392. Accidental death and dismemberment insurance provides limited benefits.

The dental discount plan is not insurance. New Dental Choice provides discounts at certain healthcare providers for dental services. The plan does not make payments to the provider. Members must pay for all dental services but will get a discount from contracted providers. The range of discounts varies based on type of provider, region and services received. For a list of participating dentists, visit NewDentalChoice.com and select “dentists.” Dentists and specialists may not be available in all areas. Services in progress or provided before the membership effective date are excluded. Cancel within the first 30 days for a full refund, less the activation fee. Activation fees are refundable in AR and MD. This plan is not available in all states. New Dental Choice is a product of First Dental Health, the discount plan organization (specialized health care service plan in CA) located at 5771 Copley Drive #101 San Diego, CA, 92111. For more information, call 888-632-7558 or visit www.NewDentalChoice.com. First Dental Health is a member of the Principal Financial Group®.

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