Accidental Death Plan
Building A Stronger Safety Net
Imagine a fatal car accident on the way home from work. If it happened to you, your family may very well need extra money to help make ends meet as they rebuild their lives.
Accidental Death Plan
Accidents claim far too many lives.
Think of the dangers on our nation’s highways alone.
Even with all the safety equipment in our vehicles, highway deaths still occur. Every day. Every week. Every month. Every year. In fact, the 2023 edition of the National Safety Council’s Injury Facts reports that car crashes are the third leading cause of accidental death for all ages.1
That’s why we strongly urge all Members to consider adding Accidental Death Insurance coverage. With benefit amounts up to $150,000 available, this protection can be an important “just in case” financial cushion for your loved ones.
Plus, as a Member, you cannot be turned down for coverage. No health questions are involved.
All benefit amounts reduce by 50% at age 75, regardless of age at enrollment.
Please refer to the “Terms” section for exclusions.
1Injury Facts, 2023 Edition, National Safety Council. https://injuryfacts.nsc.org/all-injuries/deaths-by-demographics/top-10-preventable-injuries/data-details/
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Up to $150,000 in Cash Benefits to Help Pay for Household Expenses … Car Payments … or to Help Your Loved Ones Make Ends Meet
If you suddenly fell victim to a deadly accident, your family might very well need a financial cushion to make ends meet. That’s why you’re guaranteed eligibility to add $50,000 … $100,000 … or up to $150,000 in accidental death coverage.
Help protect your family from the financial impact of a covered accident in your car. At home. On the job. On vacation. When you’re hunting or target shooting. Anywhere you might be. Your accidental death coverage gives you a world-wide, 24-hour safety net to help protect against the financial impact of a variety of accidental deaths.
Pays REGARDLESS of Any Other Insurance You May Have
Cash benefits are paid REGARDLESS of any other coverage you might have through work or that you may have set up on your own.
You can be rest assured your loved ones will collect the cash benefits level you choose under the Accidental Death Insurance policy. Enrollment is easy and may help your family during a difficult period of time — instead of having to worry about bills — if a covered accident takes your life.
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MONTHLY RATES: Why More Members Choose Accident Protection
While fatal car accidents are a leading cause of accidental deaths, it’s important to remember that accidents can happen anywhere … at any time. But as a Member, you can help give your loved ones the financial protection they may need in that situation … by selecting up to $150,000 of accidental death coverage.
Take a look at the monthly rates for families:
| Benefit Level** | $50,000 | $100,000 | $150,000 |
|---|---|---|---|
| Member Only | $3.70 | $7.40 | $11.10 |
| Member & Spouse | $7.40 | $14.80 | $22.20 |
** Benefits reduce 50% at age 75 and over, regardless of age at enrollment.
Your Accidental Death Plan premiums will be applied to the payment method selected on a monthly basis. Monthly rates shown do not include the $3.50 monthly administrative fee per monthly premium payment for direct bill, $3.00 monthly administrative fee per monthly premium payment for credit card payments or the $1.25 monthly administrative fee per monthly premium payment for automatic checking withdrawal. Rates and/or benefits may be changed on a class basis. You will be notified at least 31 days prior to any change.
Effective Date:
Your Accidental Death coverage starts the first day of the month after your enrollment form and first premium payment are received by the Plan Administrator.
Guaranteed Acceptance:
You are guaranteed acceptance as long as you are a Member. You can’t be singled out for cancellation or for a premium increase due to a change in your health or job (rates and/or benefits may be changed on a class basis). Your coverage will continue as long as you pay your premiums on time and the Master Policy remains in force.
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Why enroll in Accidental Death insurance coverage?
We made sure your accidental death coverage would stand as an important financial safety net for your family. Rest assured … your loved ones will receive your elected coverage level if you fell victim to a covered accident.
Will I need to fill out a long form or get a physical from my doctor to enroll?
No. These benefits are extended to you on a guaranteed-issue basis. There is no long form with complicated health questions to worry about. No medical exam is required. Just fill out the short form on this website to enroll for your accidental death coverage today.
Is there any way I can be turned down?
As a Member – you are GUARANTEED ACCEPTANCE in this accidental death program – regardless of your health history, current occupation or hobbies.
What if I decide Accidental Death isn’t right for me?
You will have a no obligation 30-day “Free Look” Period. As soon as you sign up and your premium is received, we’ll send you a Certificate of Insurance. Look it over for a full 30 days. If you’re not completely satisfied, just let us know. We’ll cancel your coverage and refund any premium you’ve paid, as long as you haven’t made any claims during that time.
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THIS IS A LIMITED POLICY. THIS IS AN ACCIDENTAL DEATH ONLY POLICY.
This brochure provides a brief description of benefits available. It is not a contract. Terms and conditions of coverage are set forth in Group Policy Numbers AGMPADG/AGMPADD/AGMPADI, under Master Policy Form Number ADP01. Additional information is contained in the Certificate of Insurance which is issued to all persons who become insured under the plan. As determined by state insurance regulations, this plan may not be available in all states. Availability of this offer may change. Benefits, provisions, limitations and exclusions may vary by state and this program may not be available to residents of all states. For complete details including features, limitations, and exclusions, see the Certificate or Policy of Insurance. In the event of any discrepancy between this information and the policy/certificate, the terms of the policy/certificate will apply. Complete coverage information is in the Certificate or Policy issued to each insured individual. All benefit amounts reduce by 50% at age 75 regardless of age at enrollment.
Exclusions:
In addition to any benefit-specific exclusions, benefits will not be paid for any Injury or Loss which, directly or indirectly, in whole or in part, is caused by or results from any of the following: intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane; declared or undeclared war or act of war; military or combat activities while serving in the armed forces, National Guard, or organized reserve corps in any state, country, or international authority; sickness, disease, bodily or mental infirmity or medical or surgical treatment thereof, or bacterial or viral infection, regardless of how contracted. This does not include bacterial infection that is the natural and foreseeable result of an accidental external bodily injury or accidental food poisoning (except in ID); flight in, boarding or alighting from an Aircraft or any craft designed to fly above the Earth’s surface: a. except as a fare paying passenger on a regularly scheduled commercial airline (except in ID); b. being flown by the Covered Person or in which the Covered Person is a member of the crew (except in ID); c. being used for: i. crop dusting, spraying or seeding, giving and receiving flying instruction, firefighting, sky writing, sky diving or hang-gliding, pipeline or power line inspection, aerial photography or exploration, racing, endurance tests, stunt or acrobatic flying; or ii. any operation that requires a special permit from the FAA, even if it is granted (this does not apply if the permit is required only because of the territory flown over or landed on) (except in ID); d. designed for flight above or beyond the earth’s atmosphere (except in ID); e. an ultra-light or glider (except in ID); f. being used for the purpose of parachuting or skydiving (except in ID); g. being used by any military authority, except an Aircraft used by the Air Mobility Command or its foreign equivalent (except in ID); the Covered Person’s intoxication as determined according to the laws of the jurisdiction in which the accident occurred (except in NV); voluntary ingestion of any narcotic, drug, poison, gas or fumes (except in NV); driving while intoxicated or driving under the influence of a controlled substance; riding or driving as a professional in any kind of race for prize money or profit.
NRA Member dues or contributions are not used for this promotion, program or any other related expenses.
Underwritten by:
Central States Health & Life Co. of Omaha
Offered through:
A.G.I.A., Inc.
Administered by:
A.G.I.A., Inc.
P.O. Box 9159, Phoenix, AZ 85068
Questions? Call toll-free 1-877-672-3006
Group Policy Numbers AGMPADG/AGMPADD/AGMPADI; Master Policy Form Number ADP01
Important Notice to Persons on Medicare
This Insurance Duplicates Some Medicare Benefits.
This Is Not Medicare Supplement Insurance.
This insurance pays a fixed amount, regardless of your expenses, if you meet the policy conditions, for one of the specific diseases or health conditions named in the policy. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.
This insurance duplicates Medicare benefits because Medicare generally pays for most of the expenses for the diagnosis and treatment of the specific conditions or diagnoses named in the policy. Medicare pays extensive benefits for medically necessary services regardless of the reason you need them.
These include:
- hospitalization
- physician services
- hospice
- outpatient prescription drugs if you are enrolled in Medicare Part D
- other approved items & services
Before You Buy This Insurance
- Check the coverage in all health insurance policies you already have.
For more information about Medicare and Medicare Supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.
For help in understanding your health insurance, contact your state insurance department or state [health] insurance [assistance] program [SHIP]
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