Accidental Insurance

Accidental Death Benefit Coverage

Coverage you can count on, Protection for your family…

  • In 2011 there were over 120,000 accidental deaths in the United States*
  • Almost 34% of those deaths were a result of motor vehicle accidents*
  • The fact is that deaths due to accidents (unintentional injuries) is the fifth leading cause of deaths in the U.S. only behind heart disease, cancer, stroke and respiratory disease*
  • * National Vital Statistics Report, Volume 61, Number 6 October 10, 2012

Highlights of the Accidental Death Protector

  • Low cost, affordable accidental death protection offered in 3 face amounts : $50,000, $75,000 and $100,000
  • Premiums are guaranteed and level for 20 years
  • The original accidental death face amount doubles over a 20-year period
  • Features a return of 20 years premium at the end of year 20 • Provides coverage even on unhealthy individuals (no DUI’s in the past 5 years and no hazardous avocations such as aviation, hang gliding, mountain climbing, rodeo events, sky diving, scuba diving or organized racing)

How the program works…

The Accidental Death Protector is a combination of a small amount of whole

life insurance along with a significant amount of accidental death protection.

The premiums are guaranteed to remain level for the first 20 years. After the

20th year, premiums will increase each policy year. The accidental death

benefit amount increases each year and doubles over a 20-year time period.

Additionally, the plan builds cash values, which after the 20th year, equals 20

annual payments referred

to as a “return of premium” or “ROP” feature. If the policy-owner elects to take

the ROP as a cash pay-out at the end of year 20*, the coverage is cancelled

at that time.

The plan is available for issue ages 18 through 60 in three (3) specific face

amounts (see the options in the chart on the back side of this brochure for

details).

To apply for coverage, simply complete the one-page application (form

number 9914) and answer only one underwriting question:

Within the past 3 years have you participated in, or intend to participate in

aviation, hang gliding, mountain climbing, rodeo events, sky diving, scuba

diving, organized racing of any kind, or had your driver’s license suspended

or revoked; or within the past 5 years have you been convicted of driving

under the influence of alcohol or drugs?

As long as you can answer “no” to the above then you are eligible for

coverage.

(*Indiana – cash pay-out is automatic after year 20)

Accidental Death

Whole Life Coverage

The amount of the whole life policy remains the same throughout the life of

the policy.

20-Year Level Accidental Death Coverage that doubles

in 20 years…

The Accidental Death Protector includes a guaranteed accidental death face

amount increase each year which exactly doubles the original face amount at

the end of

year 20 regardless of the benefit option that is chosen. For example, a

$100,000 initial benefit amount would

  • In year 5, the accidental death benefit amount has grown to more than $120,000
  • In year 10, the accidental death benefit amount has grown to more than $145,000
  • In year 15, the accidental death benefit amount has grown to more than $170,000
  • In year 20, the accidental death benefit amount is double the original amount at $200,000

Plus, the plan features a return of premium amount…

The Accidental Death Protector builds guaranteed cash values that

accumulate each year so that at the end of 20 years the cash values are

exactly equal to 20 years’ annual premium payments. If the “return of

premium” or “ROP” benefit is elected at the end of the 20th year, then the

ROP benefit is paid out in cash and the coverage terminates. If the ROP

benefit is not selected at the end of the 20th year, then the coverage remains

in force and the premiums increase on each policy anniversary starting in

year 21.

The Accidental Death Protector

A Small Amount of Whole Life Insurance, plus Accidental Death Benefit Coverage up to $100,000 with Built in RETURN OF PREMIUM

Product Highlights

  • Virtually Guaranteed Issue with good driving record and no participation in hazardous avocations
  • One Rate regardless of age, gender or tobacco use
  • Level Premiums for 20 years
  • Return of Premium in Year 20
  • Accidental Death Benefit DOUBLES over 20-year period
  • Single Page Application
  • Issue Ages 18 to 60 (age nearest)

One Question to Answer:

Within the past 3 years have you participated in, or intend to participate in aviation, hang gliding, mountain climbing, rodeo events, sky diving, scuba diving, organized racing of any kind, or had your driver’s license suspended or revoked; or within the past 5 years have you been convicted of driving under the influence of alcohol or drugs?

Questions???