Basic Coverage DetailsEnroll/Quote

The Optional Benefits below are provided only if the Customer applies for and is issued Additional Coverage and if Family Coverage is applied for and is issued, the amounts of such coverage will be:

Family Benefit amounts:
  • Spouse Only: 60% of the benefits provided to Customer
  • Dependent Child Only: 25% of the benefits provided to Customer
  • Spouse and Dependent Child: Spouse: 50% and Dependent Child: 20%
Exposure and Disappearance Benefit

A benefit equal to the amount to be paid for loss of life will be paid in the event that the an injured person dies as a result of unavoidable exposure to the elements following a covered accident or a person covered under the Additional Coverage disappears and is not found within one year after the date of a wrecking, sinking, or disappearance of the conveyance in which such person was riding in the course of a trip that would otherwise be covered under the Policy and after the Spouse or personal representative has exhausted all law enforcement resources during that one year period.

Benefit Increase

The Additional Coverage Amount will be increased at no additional charge to the Customer on each Policy Anniversary. The increase will be equal to 5% of the Additional Coverage Amount that was in force on the Certificate Effective Date, but will not increase if such increase would exceed 125% of the Additional Coverage Amount in force on the earlier of Certificate Effective Date for coverage issued by the Company or if the coverage issued by the Company replaces coverage previously issued, the effective date of such previous coverage. In addition, the coverage will not increase if such coverage has terminated and been reinstated or if the original coverage has changed at the request of the Customer.


The Customer may designate a beneficiary by completing and signing the form provided by, and returning the signed form to, the Company.  If no valid beneficiary designation is on file with the Company or if the beneficiary is not alive at the time a benefit is payable, the Company may make direct payment to the Customer’s spouse, the Customer’s child or children, or the Customer’s parents; siblings; or estate, in that order.

Certificate of Insurance

The Company will make available to each Customer a Certificate of Insurance which will reflect the coverages under the Policy.

Termination of Additional Insurance

 All Additional Coverage will end on the earliest of the following dates:

    •  the date upon which the Policy terminates;
    • the next premium due date that immediately follows the date upon which a Customer is no longer a customer of the group policy holder or the Customer is no longer a member of the class eligible for coverage under the group policy;
    • the date upon which the 31-day Grace Period expires if no premium payment has been received.

 Termination of coverage will not affect a claim based upon an accident that occurred prior to the termination of coverage date. Additional Coverage for a Spouse and Dependent Children will terminate upon the earlier of the date upon which the Spouse or Dependent Child is no longer eligible for coverage, or the date upon which the Customer’s coverage ends.

*All coverage amounts reduce by 50% at age 70 and by 75% at age 75.