Additional Coverage Details Enroll/Quote

Basic Benefits:

  • $3,000 (100% of Basic Coverage Amount for customer ) Accidental loss of: life; or speech and hearing; or speech and one of a hand, foot or sight of an eye; or hearing & one of a hand, foot or sight of an eye; or both hands; or both feet; or sight of both eyes; or a combination of any two of a hand, a foot or sight of an eye
  • $1,500 (50% of Basic Coverage Amount for customer ) Accidental loss of one hand; or one foot; or sight of one eye; or speech; or hearing
  • $750 (25% of Basic Coverage Amount for customer ) Accidental loss of: thumb and index finger of the same hand

If an insured person has multiple losses as the result of one accident, the policy will only pay the single largest benefit amount applicable. Loss must occur within one (1) year after the accident. Payment of any covered benefit amount will reduce the principal sum. The maximum benefit amount paid for any one accident will not exceed the principal sum.

Beneficiary

The customer may designate a beneficiary by completing the form provided, signing and submitting the 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.

Description of Coverage

The Company will make available to each customer a Description of Coverage which will reflect the coverage under the Policy.

EXCLUSIONS

This policy does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing the insurance.  In addition no benefits will be paid for any Accident caused by or resulting from any of the following: 1) an Insured Person being in, entering, or exiting any aircraft: a) owned, leased or operated by the Policyholder or on the Policyholder’s behalf; or b) operated by an employee of the Policyholder on the Policyholder’s behalf; 2) an Insured Person riding as a passenger in, entering, or exiting any aircraft while acting or training as a pilot or crew member. (This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency.); 3) an Insured Person’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment thereof. (This exclusion does not apply to an Insured Person’s bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria.); 4) an Insured Person’s commission or attempted commission of a felony or engaging in an illegal occupation; 5) an Insured Person being intoxicated at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such Accident occurs; 6) an Insured Person being under the influence of any narcotic at the time of an Accident. (This exclusion does not apply if any narcotic is taken and used as prescribed by a Physician); 7) an Insured Person participating in military action while in active military service with the armed forces of any country or established international authority. (This exclusion does not apply to the first 60 consecutive days of active military service with the armed forces of any country or established international authority.); 8) an Insured Person traveling or flying on any flight on a rocket propelled or rocket launched aircraft or on any flight which requires a special permit or waiver from a governmental authority having jurisdiction over civil aviation, whether or not such permit or waiver is granted; 9) an Insured Person’s suicide, attempted suicide or intentionally self-inflicted injury; 10) a declared or undeclared War.

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

 

THIS INSURANCE PRODUCT IS
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT A DEPOSIT
NOT FDIC-INSURED NOT BANK GUARANTEED