Summary plan description of the ExxonMobil Life Insurance Plan as of January 2023
About the Life Insurance Plan
This summary plan description (SPD) is a summary of your benefits under the ExxonMobil Life Insurance Plan. It does not contain all plan details. In determining your specific benefits, the full provisions of formal plan documents and the insurance certificates, as they exist now or as they may exist in the future, always govern. You may obtain copies of these documents by making a written request to the Administrator- Benefits.
Applicability to represented employees is governed by collective bargaining agreements and any local bargaining requirements.
Some employees and retirees may have some or all of their life coverage provided under the terms of the Family Adjustment and Family Income Plans. Refer to the January 1, 2015, summary plan description for the Family Adjustment, Family Income and Contributory Life Insurance plans.
When you need information, you may contact:
Employees, Retirees and survivors call:
ExxonMobil Benefits Service Center
Monday – Friday 8:00 a.m. to 6:00 p.m.
(U.S. Eastern Time), except certain holidays
ExxonMobil Benefits Service Center
P.O. Box 18025
Norfolk, VA 23501-1867
or 800-TDD-TDD4 (833-8334) for hearing impaired
Employees can enroll/change benefits on ExxonMobil Benefits Web (www.exxonmobil.com/benefits) when a change in status occurs.
MetLife – Metropolitan Life Insurance Company (MetLife) issues the insurance policy for participant-paid insurance, Group Universal Life (GUL), and answers questions about the Special Benefits features of Voluntary Accidental Death and Dismemberment Insurance.
AXA assistance USA, Inc (AXA) – Answers questions about the Emergency Travel Assistance Services features of Voluntary Accidental Death and Dismemberment Insurance.
800-454-3679 (toll free)
CGLIC --- Connecticut General Life Insurance Company issues the insurance policy for company-paid insurance and provides the conversion policy if your Basic Life insurance coverage ends.
800-238-2125 (toll free)
Cigna Secure Travel – Although not a Benefit provided under the ExxonMobil Life Insurance Plan, Cigna offers Emergency Travel Assistance Services. For more information contact Cigna Secure Travel. The program is a value-add program provided by New York Life GBS under continued coordination of NYL and Life Insurance of North America.
888-226-4567 (from the U.S. and Canada)
202-331-7635 (from other locations)
ExxonMobil sponsored sites – Access to plan-related information for employees, retirees, and their family members.
- Employee Connect, the Human Resources Intranet Site — Can be accessed at work by employees.
- ExxonMobil Family, the Human Resources Internet Site — Can be accessed by everyone at www.exxonmobilfamily.com.
- Retiree Online Community Internet Site — Can be accessed by retirees and survivors only at www.emretiree.com.
- ExxonMobil Benefits Service Center Internet Site — Can be accessed by everyone at www.exxonmobil.com/benefits.
The ExxonMobil Life Insurance Plan provides benefits in the event of your death and for certain accident-related injuries. You make no contributions for Basic Life Coverage and Basic Accidental Death and Dismemberment Insurance. Active employees may participate in Group Universal Life Insurance and Voluntary Accidental Death and Dismemberment Insurance by enrolling and making contributions.
To help you find specific information quickly and easily, this SPD includes these helpful tools:
- Plan at a glance, a quick user's guide highlighting plan basics.
- Charts and tables providing information, examples, highlights of plan provisions, etc.
- A list of Key terms containing definitions of some words and terms used in this SPD.
A careful reading of this SPD will help you understand how the life and accidental death and dismemberment benefits work so you can make the best use of the plan provisions. You may obtain additional information through the sources shown in the Information sources section.
Plan at a glance
You are automatically covered on the first day of active employment as a regular employee by Basic Life Insurance and Basic Accidental Death and Dismemberment Insurance. In addition, you may enroll for Group Universal Life Insurance and Voluntary Accidental Death and Dismemberment Insurance. See Eligibility and enrollment.
Basic Life Coverage
This company-provided benefit is paid to your beneficiary in the event of your death. At your election, coverage can be provided through life insurance or as an uninsured death benefit. See Basic Life Coverage.
Basic Accidental Death and Dismemberment (Basic AD&D) Insurance
This company-provided benefit is paid to your beneficiary if you die as the result of an accident. It also pays a benefit to you for certain accidental injuries. See Basic Accidental Death and Dismemberment Insurance.
Group Universal Life (GUL) Insurance
If you want more than the company-provided Basic Life Coverage, you may purchase additional amounts of insurance. The benefit from this coverage is paid to your beneficiary. See Group Universal Life Insurance.
Voluntary accidental death and dismemberment (voluntary AD&D) insurance
If you want more than the company-provided accidental death and dismemberment coverage, you may purchase additional amounts of insurance that will be paid to your beneficiary in the event of your accidental death. It also pays an additional benefit to you in the event of certain accidental injuries. See Voluntary Accidental Death and Dismemberment Insurance.
Choosing a beneficiary
The Plan provides a default list of beneficiaries. If the default list does not meet your needs, you may name a beneficiary or beneficiaries. See Choosing a beneficiary.
Certain coverages continue if you are a retiree. See Retiree coverage.
Administrative and ERISA information
This Plan is subject to rules of the federal government, including the Employee Retirement Income Security Act of 1974, as amended (ERISA). See Administrative and ERISA information.
This is an alphabetized list of words and phrases, with their definitions, used in this SPD. See Key terms.