It's the central focus of many whodunits and it's nothing most of us willingly spend time contemplating, but in the end, it's a benefit we can all use - life insurance.

The Fund automatically provides you with basic life insurance cove rage, including a separate accidental death and dismemberment (AD&D) benefit if you experience certain injuries or loss as the result of an accident. You're not required to pay for this cove rage.

In the next few pages, we'll take a closer look at your life and AD&D insurance cove rages to help you understand the protection benefits available to you through the Fund .