| Q: |
Is accidental death insurance necessary when I already have a life insurance policy? |
| A: |
According to the National Safety Council's 2007 Injury Facts, accidents are the fifth leading cause of death in the United States. Accidental death insurance can provide protection against the financial burden of an unexpected accident. |
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| Q: |
What does it take to qualify for coverage? |
| A: |
If you are between the ages of 18 and 69, your coverage is guaranteed regardless of health or occupation. No physical exams are required and there are no long forms to fill out. |
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| Q: |
Once the policy is issued, and the premiums are paid on time, can the policy ever be canceled, for any reason? |
| A: |
No. The policy can never be canceled for any reason other than failure to pay the premiums. |
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| Q: |
Will my premiums ever increase? |
| A: |
No. The affordable premiums you lock in today are guaranteed to never increase for any reason. The benefits are also guaranteed to never be reduced until age 70 at which time they are reduced 50%. |
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| Q: |
Will I have to meet with an agent to apply for coverage? |
| A: |
Globe Life handles everything online and through the mail. You will never have to meet with agent. |
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EXCLUSIONS
This coverage does not cover death caused by: |
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| 1. |
Disease, sickness, bodily or mental infirmity, or medical or surgical treatment of same; |
| 2. |
Suicide or intentionally self-inflicted bodily injury, while sane or insane (reference to insane not applicable in Missouri); |
| 3. |
Being under the influence of any drug, narcotic, poison or gas unless taken on the advice of a physician; |
| 4. |
Service in the military, naval or air services of any country; |
| 5. |
Participation in any speed contest; |
| 6. |
Insured's intoxication (blood alcohol level of .10 percent weight by volume or higher); |
| 7. |
Air travel as a pilot, student pilot or crew member; |
| 8. |
Committing or attempting to commit an assault or felony; |
| 9. |
Taking part in a riot, insurrection or terrorist act; or |
| 10. |
Skydiving, hang gliding or hot air ballooning. |
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