- Groups having an employer/employee relationship
- Labor Unions
- Trustees of a fund established by two (2) or more employers within the same industry,
by one or more labor unions, one or more employers or union members.
- Credit unions, professional, federal, state or municipal employees
- Associations; associations or trade schools to insure their members.

What is this benefit?  If the insured receives a terminal illness diagnosis unequivocally proved by a physician authorized to practice medicine in Puerto Rico, United States, before reaching the age of 60; and his or her insurance coverage is at least $10,000, then the insured may request payment of a portion of the Life Insurance proceeds before death occurs.
The requested amount may not exceed 80% of the Life Insurance Benefit, and it is subject to a $3,000 minimum and $500,000 maximum.

The benefits payed under this endorsement will not affect the benefits payed under the accidental death coverage. Payment of any benefit under this provision will reduce the benefit payable upon death.

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