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Whole Life
With level premiums and the accumulation of cash values, Whole Life insurance is a good choice for long term financial security. Also referred to as permanent life insurance. Whole Life will provide protection from the day you purchase the policy, as long as you pay the premiums. The guaranteed cash values can provide you with money to help with temporary needs or emergencies.
Features:
- Permanent and level life insurance coverage for a lifetime.
- Premiums are level and guaranteed not to increase.
- Accumulates cash value.
- Waiver of Premium Benefit included in the policy and all riders to issue ages 0-55 (terminates at
age 60).
- Accelerated Benefit included.
| Additional details
will be provided upon request. |
| DISCLAIMER:
This is a brief description of the products offered by
USAble Life. These descriptions are for informational
purposes only. Products and provisions described may not
be available in all states. Specific provisions may vary
by state. The policy contains a complete description of
benefits, provisions, limitations and exclusions. In the
event of a conflict between this description and the policy,
the policy will prevail. |
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Term Life
With term insurance, you pay only for life insurance coverage. Term insurance is the least expensive form
of life insurance coverage you can purchase.
- Provides life insurance for a stated time period, or term.
- Guaranteed renewable for subsequent term periods.
- Premiums are level and guaranteed for the initial term period. Premiums increase and are
level and guaranteed in each subsequent term period thereafter.
- Guaranteed Renewable to age 80.
- Convertible to age 75.
- Waiver of Premium Benefit included in the policy and all riders to issue ages 18-55—
- 18-50 for 30 Year Term (terminates at age 60).
- Accelerated Benefit included.
- Choice of 10, 15, 20, 30 year term periods or term to age 80.
| Additional details will be provided upon request. |
| DISCLAIMER: This is a brief description of the products offered by USAble Life. These descriptions are for informational purposes only. Products and provisions described may not be available in all states. Specific provisions may vary by state. The policy contains a complete description of benefits, provisions, limitations and exclusions. In the event of a conflict between this description and the policy, the policy will prevail. |
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Accident
The choice of either Accident Guard, Accident Elite or CARE (Comprehensive Accident Recovery bEnefit) allows an applicant the options of supplemental coverage
for costs associated with accidental injury and death and the option of choosing coverage to fit his/her individual
needs. The policies are composed of a base policy with choice of disability riders. The policies are only available on a payroll
deduction basis and guaranteed renewable. Coverage is provided
for accidents occurring both on and off-the-job.
| Accidental Death Benefit |
pays an accidental death benefit for death
caused by common carrier, while a fare paying passenger
on a common carrier vehicle (excludes taxis and privately
chartered vehicles), or other accidents. |
| Accidental Dismemberment Benefit |
pays an accidental dismemberment benefit
for dismemberment caused by a covered accident. |
| Other Benefits |
Hospital Admission
Hospital Confinement
Hospital Intensive Care Unit Confinement
Emergency Room Treatment
Follow-up Physician Visit
Physical Therapy
Appliance
Prosthetic Device/Artificial Limb
Transportation
Family Lodging
Burns
Tendon or ligament
Blood/Plasma/Platelets
Ambulance
Wellness Benefit |
| Accident Specific Injuries
|
dislocations, eye injury, fractures, torn
knee cartilage, ruptured disk, rotator cuff, internal
injuries, concussion, emergency dental work, coma, paralysis,
and lacerations. |
| Other optional riders
are available. |
Additional details
will be provided upon request.
For more information on safety, accident prevention, and injury statistics, visit the National Safety Council.
|
| DISCLAIMER:
This is a brief description of the products offered by
USAble Life. These descriptions are for informational
purposes only. Products and provisions described may not
be available in all states. Specific provisions may vary
by state. The policy contains a complete description of
benefits, provisions, limitations and exclusions. In the
event of a conflict between this description and the policy,
the policy will prevail. |
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CardiacCare
Benefits
Hospital Confinement Benefit
Heart Transplant Benefit
Surgical Benefit
Anesthesia Benefit
In Hospital Drugs and Medicines Benefit
Private Nursing Services Benefit
In Hospital Physician Visits Benefit
Physiotherapy Benefit
Ambulance Benefit
Transportation Benefit
Electrocardiogram (ECG/EKG) Benefit
Oxygen Benefit
Blood and Plasma Benefit
Medical Equipment Benefit
Hospital Emergency Room Benefit
Coronary Care or Intensive Care Benefit Rider available.
If injuries or sickness result in necessary confinement in
a Coronary Care or Intensive Care Unit, we will pay benefits
at the rate of the option chosen.
(THIS RIDER NOT AVAILABLE IN TENNESSEE.)
Options: $200/day
$400/day
$600/day
For more information about cardiovascular diseases, visit
the American
Heart Association.
Additional details will be provided upon request.
DISCLAIMER: This is a brief description of
the products offered by USAble Life. These descriptions are
for informational purposes only. Products and provisions described
may not be available in all states. Specific provisions may
vary by state. The policy contains a complete description
of benefits, provisions, limitations and exclusions. In the
event of a conflict between this description and the policy,
the policy will prevail.
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CancerCare
Elite
CancerCare
Elite provides supplemental coverage when certain losses occur as a result
of cancer or a listed specified disease. CancerCare Elite pays directly
to the insured, regardless of other coverage. Coverage is
available to employees and their families, with a choice of
Plan I, Plan II, or Plan III.
| Eligibility |
Ages 18 to 64. |
| Guaranteed Renewable |
Guaranteed renewable for your lifetime.
|
| Inpatient Benefits |
Plan
I $100 daily - first 60 days; $200
each subsequent day.
Plan
II $250 daily - first 60 days; $500
each subsequent day.
Plan
III $300 daily - first 60 days; $600 each
subsequent day. |
| Inpatient or Outpatient Radiation,
Chemotherapy, and Blood and Plasma |
Plan
I $5,000 maximum per calendar year.
Plan
II $10,000 maximum per calendar
year.
Plan
III $15,000 maximum per calendar year. |
| Inpatient or Outpatient Surgery & Anesthesia |
Plan
I $1,000 maximum per operation.
Plan
II $2,000 maximum per operation.
Plan
III $4,000 maximum per operation.
Anesthesia
pays 30% of the amount payable under the surgical benefit. |
Other Benefits
Important: Amounts payable and durations vary
by benefit and are stated in the policy. |
| At
home recovery benefit
Specified
disease benefit
Waiver
of premium benefit
In-hospital
physician visits
In-hospital private duty nursing
Home
health care services
Prosthesis
Ambulance
Family
lodging and transportation
Patient
transportation (common carrier or personal auto)
Diagnostic
tests that lead to positive diagnosis of cancer
Annual
physical after receiving a positive diagnosis of cancer
Second
surgical opinion
National
Cancer Institute Consultation
New
or experimental cancer treatment
Extended
care facility
Hospice
care
Government
or charity hospital
Inpatient
drugs and medicines
Medical
supplies and equipment
Child’s private tutoring
Alopecia
Physical,
speech, hearing, and occupational therapy
Bone
marrow transplant
Stem
Cell transplant
Wellness Benefit – pays up to $75 per calendar
year for the following screening tests:
Mammography
Thermography
Colonoscopy
Hemocult Stool Analysis
PSA (blood test for prostate cancer)
CA125 (blood test for ovarian cancer)
CEA (blood test for colon cancer)
Pap Smear
Flexible Sigmoidoscopy
Chest X-Ray
Any diagnostic procedure which can lead to the positive diagnosis of cancer. |
| Elective Benefits |
| Cancer Diagnosis |
Pays on first diagnosis of internal cancer.
Options available are: $1,000, $2,000, $3,000, $4,000
and $5,000. Insured family members qualify for 100% of
the benefit. |
| Hospital Intensive Care |
Pays daily benefit when injuries or accident
results in confinement in a Coronary Care or Intensive
Care Unit. Daily benefit options available are: $200,
$400 and $600. |
| Cancer Disability |
Pays monthly income elected up to one year
if disabled as result of internal cancer. Family coverage
may also selected if the spouse actively works at least
20 hours per week. Children are not eligible. Rider terminates
at insured’s age 65. Monthly benefit options are:
$250 and $500. |
Additional details
will be provided upon request.
For more information on cancer prevention and early detection, research, and statistics, visit the American Cancer Society.
|
| DISCLAIMER:
This is a brief description of the products offered by
USAble Life. These descriptions are for informational
purposes only. Products and provisions described may not
be available in all states. Specific provisions may vary
by state. The policy contains a complete description of
benefits, provisions, limitations and exclusions. In the
event of a conflict between this description and the policy,
the policy will prevail. |
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CriticalCare Elite
USAble Life’s
CriticalCare Elite policy provides for a lump sum payment upon first
diagnosis of a covered “critical illness.” Payment
is made directly to the insured. Coverage is available to
employees and their families.
| Waiting Period:
No benefits will be paid for a specified critical illness
diagnosed during the first 30 days following the effective
date. |
| Specified Critical
Illness |
With Cancer |
Without Cancer |
| Cancer |
100% |
n/a |
| Heart Attack |
100% |
100% |
| Stroke |
100% |
100% |
| Amyotrophic Lateral Sclerosis (Lou Gehrig's Disease) |
100% |
100% |
| End Stage Renal Disease |
100% |
100% |
| Major Organ Transplant Surgery |
100% |
100% |
| Quadriplegia |
100% |
100% |
| Coronary Artery Bypass Surgery |
25% |
25% |
| Balloon Angioplasty, Stent, or Laser
Relief |
10% |
10% |
| Carcinoma in Situ |
10% |
n/a |
Benefit After Age 75: Face Amount reduces 50% on
the policy anniversary following age 75.
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Additional details
will be provided upon request.
For more information on cancer prevention and early detection, research, and statistics, visit the American Cancer Society.
For more information about cardiovascular diseases, visit
the American Heart Association.
|
| DISCLAIMER:
This is a brief description of the products offered by
USAble Life. These descriptions are for informational
purposes only. Products and provisions described may not
be available in all states. Specific provisions may vary
by state. The policy contains a complete description of
benefits, provisions, limitations and exclusions. In the
event of a conflict between this description and the policy,
the policy will prevail. |
Back
Hospital Indemnity
Hospital Indemnity is an individual hospital indemnity plan which pays supplemental
daily inpatient hospital and related benefits directly to
an insured, regardless of other coverages. Coverage is available
to employees and their families. A choice of hospital indemnity
amounts is available which allows insured to tailor a plan
to their needs and budget.
| Benefits |
| Hospital Indemnity |
Choice: $25 (Basic), $50 (Select)
or $100 (Ultra) daily benefit for inpatient hospital confinement.
Lifetime benefits, no elimination period. |
| Intensive Care/Coronary
Care |
Choice: $50 (Basic), $100 (Select) or $150
(Ultra) daily benefit paid in addition to Hospital Indemnity
for confinement to ICU/CCU. Coverage begins first day,
up to 60 days per confinement. |
| Initial Hospitalization |
$200 per covered confinement. Payable once
per calendar year. |
| Emergency Accident |
$50 for emergency room visit. Payable up
to 3 times per calendar year. |
| Ambulance |
$50 for transportation to hospital or emergency
center. Up to 4 trips per calendar year. |
| At Home Nursing |
$50 per visit by licensed or registered
nurse at home within 60 days following covered confinement.
One visit per day. |
| Waiver of Premium |
After Primary insured has received hospital
confinement benefits for 30 days, premiums are waived
for duration of the hospital confinement. |
| Transportation |
$50 transportation for prescribed confinement
not available within 75 miles of insured’s residence.
Paid in addition to ambulance. Up to 4 trips per calendar
year. |
| Accidental Death &
Dismemberment |
If loss occurs within 90 days of injury
and independent of other cause, pays $2,000 for loss of
life; both hands or feet; one hand and one foot; sight
of both eyes; or one hand or foot and sight of one eye.
$1,000 for loss of one hand; one foot; or sight of one
eye. |
| Other Features |
| Guaranteed Renewable |
Lifetime |
| Issue Ages |
Under 65
If purchased prior to age 65, coverage may be continued
after 65. |
| Available Plans |
Individual and Family |
| Pre-existing Limitations |
Applies during first 12 months for pre-existing
conditions treated, for which received medical advice
or took prescribed medication within 12 months prior to
effective date of coverage. |
| Pregnancy |
No benefits until after 10 months. Complications
covered same as any other illness unless pre-existing. |
| |
| Additional details
will be provided upon request. |
| DISCLAIMER:
This is a brief description of the products offered by
USAble Life. These descriptions are for informational
purposes only. Products and provisions described may not
be available in all states. Specific provisions may vary
by state. The policy contains a complete description of
benefits, provisions, limitations and exclusions. In the
event of a conflict between this description and the policy,
the policy will prevail. |
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