Specifications include, but are not limited to: Contract Item #1 – Basic Term Life Insurance - $5,000 Coverage; Must be available to all employees – active (work minimum of 30 hours) and retirees.; No medical evidence of insurability required; Installments at period of total disability when age equals 60; No age reduction; Optional conversion to private policy for employees who terminate employment prior to retirement; Participants have the option to change beneficiaries at any time. Contract Item #2 – Optional Voluntary Accidental Death and Disability; Must be available to all active employees (work minimum of 30 hours) under the age of 70.; ; Benefit Option of $5,000; 100% Contributory; Passenger Restraint, Airbag benefit included