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ACCIDENTAL DEATH AND DISMEMBERMENT
Coverage
is provided by Monumental Life Insurance Company, except in the state
of New York.
- Product Highlights
- Benefits Payable
- Seat Belt Benefit
- Rates
- Termination Age
- Effective Date of Coverage
- Exclusions and Limitations
- About
the Insurance Company
Product Highlights
- No
Medical Exam and No Health Questions
- 30
Day Free Look: If you're not satisfied for any reason, you may return
your certificate of insurance within 30 days after receipt. Your premium will be refunded. When so returned, the certificate is void from the beginning.
- Firm
Quotes: Unlike other insurance quotes you can get online, we won't
quote the low, preferred rate and then raise the rates you actually
pay based on your answers to health questions on the application. If
you're accepted for coverage, you will pay the rate we quote.
- Guaranteed
Acceptance: All GEA members under age 65 are guaranteed for coverage.
- Benefit
Level: Members can elect a $50,000 or $100,000 Benefit Amount. (The
amount of the Benefit will be reduced by 50% when the member attains
age 65.)
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- Loss of Life, 100%
- Loss of Both Hands or Both Feet, 100%
- Loss of Sight of Both Eyes, 100%
- Loss of One Hand and One Foot, 100%
- Loss of Sight of One Eye and One Hand or Foot, 100%
- Loss of One Hand or One Foot, 50%
- Loss of Sight in One Eye, 50%
- Loss of Speech or Hearing, 50%
- Loss of
Thumb and Index Finger on Same Hand, 25%
Loss must
occur while coverage is in force as a direct result of an injury; and within
365 days of the accident causing the injury. If more than one loss results
from the same accident, no more than the largest percentage of the Benefit
for any one loss will be paid.
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Seat
Belt Benefit
If
the insured suffers an accidental loss of life while using a seat belt
in an automobile, the plan will pay an additional 10% of the
Benefit amount. (This benefit not applicable in Minnesota and the state
of New York.)
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- $50,000 Benefit, $3.00 per month
- $100,000
Benefit, $5.00 per month
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Termination Age
The
coverage will cease on the premium due date on or after the member attains
age 70.
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Effective
Date of Coverage
Coverage
will be effective on the date shown on the certificate schedule issued
to you upon approval of your application, provided the initial premium
is paid when due and is received during your lifetime.
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Exclusions and Limitations
Benefts will be paid for any accidental death except when caused by, resulting from or contributed to by: suicide, attempted suicide or intentionally self-inflicted injury; any war or act of war (declared or undeclared); full-time military service; participating in a riot, assault or felony; sickness or its treatment; bacterial infection; operating or riding in any kind of aircraft, except as a fare-paying passenger on a regularly scheduled commercial flight; alcohol intoxication, as defined in the state where the accident occured; taking of any drug or medication, except as prescribed by a Physician; taking of alcohol in combination with any drug or medication; gas inhalation or poison voluntarily taken or administered; riding or driving as a professional in any kind of race.
Exclusions may differ in your state. See your Certificate of Insurance for details.
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About the Insurance Company
Coverage
is provided by Monumental Life Insurance Company except in the state of
New York.
Monumental
Life Insurance Company is rated A+ (Superior) for financial condition
by A.M. Best Company and is rated AA+ (Very Strong) for claims paying ability
by Standard and Poors, independent analysts of the insurance industry.
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Coverage is not available in all states.