The Company provides employer-paid and employee-paid group term and personal life insurance plans to cover you and your eligible family members in case of death, accidental death or dismemberment, or long term illness. The Company also offers additional personal and property liability coverage above the limits of your other insurance plans.

Generally, the plans provide the following types of insurance coverage:

Group Term Life

Accident

Long Term Illness

Umbrella Liability

The insurance participation section describes the rules the Marsh & McLennan Companies insurance plans share in common regarding eligibility, enrollment, and other plan provisions that determine how you and your eligible family members may participate in the plans.