Copyright © 2014 Clements Worldwide. All Rights Reserved.

+1.202.478.6589 | 1.800.693.1087 cps@clements.com

ACS members have access to quality personal and professional benefi ts. With the growing need to provide benefi ts that can be used by international members, the BOT looked for an insurance company with a track record of o� ering life insurance throughout the world.Since 1947, Clements Worldwide has provided comprehensive insurance solutions to the international community. With a reputation for unparalleled customer service and superior claims handling, we believe Clements has the knowledge and experience to best serve ACS member needs.

For More Information Contact Clements

About the Partnership

All active ACS members* can receive the fi rst 60 days of coverage

for only USD 1 - so enroll today!

With a Clements life insurance policy, you get:• Financial protection that will stay with you regardless of whether you

change jobs, or move anywhere in the world as long as you retainyour ACS membership.

• Coverage for death as a result of illness*, accidents and acts of warand terrorism.

• Tiered limits up to USD 500,000, with rates starting as low as USD 12.31 per month.

• Continuous coverage to age 71 – prime income earning years.

• No medical exam or blood tests required.

• Guaranteed admittance – instant protection.

• Quick and easy online enrollment.

The Board of Trustees, Group Insurance Programs for ACS Members (BOT) and Clements Worldwide guaranteed-issue international term life insurance provides coverage for international members*. Our new top-rated life program covers you worldwide at discounted rates. Additionally, this world-class family-protecting insurance is available without a medical exam.

According to the Life Insurance and Market Research Association, experts recommend having enough life insurance to replace income for 7 to 10 years. Unfortunately, the reality is that the typical married couple has less than half that amount**. Clements Guaranteed-Issue International Term Life Insurance makes it easy to fi nancially protect your family with A-rated coverage and enjoy peace of mind.

(See back for additional coverage details)

Financial Protection Your Family Can Rely On: No Medical Exam Required*

Low fi xed premium for portable term life coverage up to USD 500,000 in benefi ts.

#PI-040-PS 1/14

Guaranteed-IssueInternational Term Life Insurance

Available Limits Tiered limits : USD 50,000 to USD 500,000 (level benefi t through 70th year)

Application Online enrollment form - quick and easy 5 step process

Payment Monthly payment plan

Premium Waiver First 60 days for USD 1- 1st year only

Coverage Type - Death All Causes coverage: Worldwide in scope regardless of post country

Rate and coverage limit Fixed rate/ premiums (Level benefi t through 70th year)

Exclusions / Limitations Nuclear, Biological war, suicide, death as a result of a criminal act by insured. 6 month waiting period on death by natural causes.

Term Continuous Coverage until age 71

Continuation of Coverage As long as you remain an ACS member your coverage will continue.

Enrollment Age 18-65

Enroll now or contact us at cps@clements.com

for additional information

Guaranteed-IssueInternational Term Life Insurance

For a Quote, Visit clements.com/ACS

Enrolling in the international term life insurance program ensures your benefi ciaries will be protected fi nancially. Coverage up to USD 500,000 requires no medical exam and the policy is fully portable.

Don’t wait until it’s too late to ensure guaranteed protection for your loved ones. Take advantage of this unique opportunity and enjoy peace of mind. Get the best policy for you and your family – one you can count on.

* Currently available in 67 countries. **LIMRA Facts About Life (Sept ’09).

Copyright © 2014 Clements Worldwide. All Rights Reserved. #PI-040-PS 1/14