Added Protection

• Coverage is available for you, your spouse and dependent children (child only policy not available)

• Set amount of cash benefits based on service provided

• Coverage can be in addition to other individual or group insurance (there's no coordinating of benefits)

Cash Benefits Paid Directly to You

You determine how to spend the money

• Pay for emergency accident - related medical bills (You can file a claim and receive money before you have to pay the medical bill)

• Helps cover indirect expenses (Travel and lodging - Extra medical equipment or therapy)

• Supplement lost income

The Value of Accident Coverage

• Convenient (no networks, no deductibles, no co-pays)

• Simple (no lifetime limits, no waiting periods, no pre - authorization)

• Affordable (guaranteed renewable for life, cost doesn't with use, your age or number of children)

• Multiple Payments (receive payments for each accident and every covered injury)

• Portable (stays with you even if your other coverage changes)

Choice of benefit levels

Benefits apply for covered accidents

Benefit (Examples)

LEVEL1

LEVEL 2

Inpatient    Hospital stay        (24 hours or more)

$1,000 for admission $250 per day

$1,000 for admission $300 per day

Surgery

   $500 - $2,000         per surgery

   $600 - $2,500       per surgery

$150

$200

Physical Therapy

$25 per day

$35 per day