Are you financially prepared if an accident happens to you?
A distracted driver, a missed step, or a fall off a ladder could wreak havoc on your family’s finances. Help your loved ones replace your income, pay the bills and continue their lifestyle if an accident happens to you. The AIA Trust Group AD&D Plan guarantees your acceptance for you up to $150,000 in benefits.
So try as you might, you cannot be sure you will always be safe. But you can help make sure your loved ones are financially prepared if something happens to you.
The AIA Trust Group Accidental Death & Dismemberment (AD&D) Insurance Plan guarantees your acceptance for up to $150,000 in accident coverage if you’re a AIA member under age 60. No physical exam or health questions are required. You must be a resident of the U.S. (except for FL, NC, VT, WA, and territories) or Puerto Rico. Your lawful spouse under age 60 and your dependent children under age 19 (25 if full-time students) are also guaranteed coverage when you enroll.
This additional money could go a long way toward helping your family pay day-to-day living expenses, ensure your children’s education, pay medical bills and rebuild their lives.
With the AIA Trust Group AD&D Plan, you’re protected from many types of accidents – auto accidents, falls, fires, drownings and more. And you’re covered anytime, anywhere* … at home, at work, vacation … on top of any other insurance you may already have.
Plus, you pay an affordable, members-only group rate – view the Rates and Terms for more details.
*Subject to U.S. Government regulations on restricted countires.
**National Safety Council, Injury Facts, 2011.
Provides Up to $150,000 in Accident Benefits
The AIA Trust Group AD&D Plan offers AIA members an easy and affordable way to help provide their loved ones with up $150,000 in accident benefits if you die or are seriously injured in a covered accident. This makes this plan an ideal complement to existing life or other accident insurance coverage you may already have.
As an AIA member under age 60, you’re guaranteed acceptance. No physical exam or health questions are required. You must be a resident of the U.S. (except for FL, NC, VT, WA, and territories) or Puerto Rico.
Offers Choice of Benefit Amounts
You can select from among three benefit options: $50,000, $100,000, or $150,000 based on your needs and budget.
Guarantees Protection for Your Family Too.
Family coverage can provide security for your loved ones. Your spouse is guaranteed up to $100,000 in coverage if under age 60. Unmarried dependent children can be covered for up to $15,000 of insurance if under 19 years of age (25 if full-time student) with the same permanent address as you.
Pays Benefits for Accidental Death and Serious Injuries
Because accidental deaths and disabling injuries result in special needs and high medical bills, the AIA Trust Group Plan provides you with valuable benefits to cover these expenses. You or your loved ones will collect the following benefits based on your loss:
|Covered Loss||% of Principal Sum|
|loss of life||100%|
|loss of two limbs||100%|
|loss of movement of both upper and lower limbs (quadriplegia)||100%|
|loss of sight of both eyes||100%|
|loss of both speech and hearing||100%|
|loss of one limb and the sight of one eye||100%|
|loss of movement of both lower limbs (paraplegia)||75%|
|loss of one limb||50%|
|loss of movement of both upper and lower limbs of one side of the body (hemiplegia)||50%|
|loss of sight of one eye, speech or hearing||50%|
|loss of thumb and index finger of same hand||25%|
The total benefit payable for all losses due to a single accident will not be more than the Principal Sum. The plan pays any of the above sums if an injury results in any covered losses within 365 days after the accident. Loss of sight, speech or hearing means total and permanent loss. Loss of movement of limbs means complete and irreversible paralysis of such limbs. Loss of limb means severance through or above the wrist or ankle joint. Loss of thumb and index finger means severance through or above the joint closest to the wrist (the metacarpophalangeal joints).
Easy to Apply
Simply download, complete, sign and return the application. Send no money now.
30-Day FREE Look
When you receive your Certificate of Insurance, read it carefully. If you’re not completely satisfied with the terms of your new insurance plan, simply return your Certificate, without claim, within 30 days and any premium paid will be promptly refunded. No questions asked.
Benefit options are not guaranteed and are subject to change by agreement between the Trustee Policyholder and New York Life. Premium contributions may be changed by New York Life on any premium due date and on any day on which benefits are changed. However, your rates may change only if they are changed for all others in the same class of insurance under this group policy. For example, a class of insured is a group of people all with the same issue age. For your convenience, after your coverage is activated, you will be billed quarterly.
Coverage will be effective on the first of the month following receipt of your Application and first quarterly premium payment.
If dependent child coverage is not already in force on a premium-paying basis, coverage on a newborn will continue for 31 days from the date of birth. Coverage for such newborn will end unless a request to continue coverage is made in writing and payment of dependent child premiums is received by the end of that 31-day period. If dependent child coverage is already in force on a premium-paying basis, coverage on a newborn is effective on the date of birth and will continue, subject to the terms stated in the Termination section.
Your spouse, your children or your estate will automatically be the beneficiary for your AIA Trust protection. However, you may change your beneficiary at any time by notifying the AIA Trust Insurance Plan Administrator in writing. You are the beneficiary for your dependent’s coverage.
You may maintain your AIA Trust Group Accidental Death & Dismemberment Insurance Plan as long as you remain an AIA member, pay your premium on time, and the Group Policy is not terminated by the Trustee, Policyholder or New York Life. Coverage for your dependents terminates when yours does, or for your spouse when he/she becomes an insured member or ceases to be your lawful spouse. Child coverage can continue as long as the child is eligible or until termination under age 19 (25 if fulltime student). Coverage for any insured will terminate when active duty in the armed forces begins.
The AIA Group AD&D Plan does not cover the following:
- A loss due or related to suicide, attempted suicide, or intentionally self-inflicted injury while sane or insane.
- A loss that occurs during or is due or related to engagement in War or any act of war or an armed conflict which involves the armed forces of one or more countries, whether declared or undeclared.
- A loss that occurs during, or is due or related to the covered person’s duty in the military, naval or air service of any country.
- A loss due or related to disease or bodily infirmity of mind or body; medical or surgical treatment of such disease or bodily infirmity; or bacterial infections, except infections which occur as the result of an: accidental cut or wound; or accidental ingestion of contaminated material.
- A loss due or related to pregnancy, including resulting childbirth or complication thereof.
- A loss due or related to operating, riding in or descending from any aircraft while in flight, except when riding as a passenger on a licensed, commercial, or non-military aircraft.
IMPORTANT NOTICE: How New York Life Obtains Information and Underwrites Your Request for AIA Group Insurance
In this notice, references to “you” and “your” include any person proposed for insurance. Information regarding insurability will be treated as confidential. In considering whether the person(s) in your request for insurance qualify for insurance, we will rely on the medical information you provide, and on the information you AUTHORIZE us to obtain from your physician, other medical practitioners and facilities, other insurance companies to which you have applied for insurance and MIB, Inc. (“MIB”). MIB is a not-for-profit organization of insurance companies, which operates an information exchange on behalf of its members. If you apply for life or health insurance coverage or a claim for benefits is submitted to an MIB member company, medical or non-medical information may be given to MIB, and such information may then be furnished by MIB, upon request, to a member company.
Your AUTHORIZATION may be used for a period of 24 months from the date you signed the application for insurance, unless sooner revoked. The AUTHORIZATION may be revoked at any time by notifying New York Life in writing at the address provided. Your revocation will not be effective to the extent New York Life or any other person already has disclosed or collected information or taken other action in reliance on it, or to the extent that New York Life has a legal right to contest a claim under an insurance certificate or the certificate itself. The information New York Life obtains through your AUTHORIZATION may become subject to further disclosure. For example, New York Life may be required to provide it to insurance, regulatory or other government agencies. In this case, the information may no longer be protected by the rules governing your AUTHORIZATION.
MIB and other insurance companies may also furnish New York Life, its subsidiaries or the Plan Administrator with non-medical information (such as driving records, past convictions, hazardous sport or aviation activity, use of alcohol or drugs, and other applications for insurance). The information provided may include information that may predate the time frame stated on the medical questions section, if any, on this application. This information may be used during the underwriting and claims processes, where permitted by law.
New York Life may release this information to the Plan Administrator, other insurance companies to which you may apply for life and health insurance, or to which a claim for benefits may be submitted and to others whom you authorize in writing, however, this will not be done in connection with test results concerning Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV). We may also make a brief report of your protected health information to MIB, but we will not disclose our underwriting decision
New York Life will not disclose such information to anyone except those you authorize or where required or permitted by law. Information in our files may be seen by New York Life and Plan Administrator employees, but only on a “need to know” basis in considering your request. Upon receipt of all requested information, we will make a determination as to whether your request for insurance can be approved.
If we cannot provide the coverage you requested, we will tell you why. If you feel our information is inaccurate, you will be given a chance to correct or complete the information in our files. Upon written request to New York Life or MIB, you will be provided with non-medical information. Generally, medical information will be given either directly to the proposed insured or to a medical professional designated by the proposed insured. Your request is handled in accordance with the Federal Fair Credit Reporting Act procedures. If you question the accuracy of the information provided by MIB, you may contact MIB and seek a correction. MIB’s information office is: MIB, Inc., 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734, telephone 866-692-6901 (TTY 866 346-3642). Information for consumers about MIB may be obtained on its website at www.mib.com.
If we can provide the coverage you requested, we will inform you as to when such coverage will be effective. Under no circumstances will coverage be effective prior to this date. Payment of a premium contribution with your application does not mean there is any insurance in force before the effective date is determined by New York Life.
For NM Residents: Protected persons1 have a right of access to certain Confidential abuse information2 we maintain in our files and they may choose to receive such information directly. You have the right to register as a Protected person by sending a signed request to the Administrator at the address listed on the application. Please include your full name, date of birth and address.
1Protected person means a victim of domestic abuse: who has notified us that he/she is or has been a victim of domestic abuse; and who is an insured person or prospective insured person.
2Confidential abuse information means information about: acts of domestic abuse or abuse status; the work or home address or telephone number of a victim of domestic abuse; or the status of an applicant or insured as family member, employer or associate of a victim of domestic abuse or a person with whom an applicant or insured is known to have a direct, close, personal, family or abuse-related relationship.
New York Life Insurance Company 8.12ed
This information is only a brief description of the principal provisions and features of the AIA Trust Accidental Death and Dismemberment Insurance Plan. The complete terms and conditions including features, costs, eligibility, renewability, limitations and exclusions are contained in the Certificate of Insurance issued to each insured. The AIA Trust incurs certain administrative expenses in connection with this sponsored plan. To provide and maintain this valuable AIA membership benefit, the Trust is reimbursed for these expenses.
Hagan Barron Intermediaries
P.O. Box 1889
Sioux Falls, SD. 57101
Brian Hagan of Hagan Barron Intermediaries, is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is South Dakota. California Insurance license number is 0H62489. Arkansas Insurance license number is 94726.
The Accidental Death and Dismemberment Insurance Plan is underwritten by:
New York Life Insurance Company
51 Madison Avenue, New York, NY 10010
under Policy Form GMR-ER, Group Policy G-11108-0/FACE
New York Life is licensed/authorized to transact business in all the 50 United States, the District of Columbia and Puerto Rico.
Please note that this plan is currently not available to residents of Florida , North Carolina, Vermont, and Washington.
New York Life Insurance Company’s state of domicile is New York and their NAIC ID # is 55915.