Accidental Death (AD)

Individual Freedom Plan - $35

Family Freedom Plan - $54

Accidental Death & Dismemberment (AD&D)

Lloyds AD&D - $54,000 to $270,000 coverage costing $110 to $350

Accidental Death & Dismemberment Insurance
Provides large cash benefits to help families who are concerned that the accidental death of dismemberment of a family member will affect their standard of living. AD&D provides high benefit amounts for a lower premium, is easy to purchase and acceptance is guaranteed.

Accident Hospital Indemnity Plan
Provides cash benefits to help people who are concerned that medical treatment due to an accident may affect their ability to pay for any need that arises in their family. AHIP provides a higher benefit amount for a lower premium than most other accident hospital indemnity insurance products. Acceptance is guaranteed.

Accident & Sickness Hospital Indemnity Plan
This Accident & Sickness Hospital Indemnity Plan ("A&S HIP") is designed to provide fixed cash benefits for covered hospital stays for accident or sickness. These benefits are supplemental to basic health insurance.

Accident Emergency Room & Home Recovery
Accident Emergency Room & Home Recovery ("ERHR") pays a flat lump sum directly to the insured for any emergency room visit due to a covered accidental injury. Also provides a daily benefit to the insured after a hospital confinement.

Catastrophic Accident
Benefits provided for insured (and family members, if available) when a loss (dismemberment) caused by covered catastrophic accident. Benefits typically include additional benefits such as Seat Belt benefit, Dependent Child Benefit or Home Alteration Benefit. Coverage typically guaranteed-issue subject to eligibility limits (maximum issue age). Coverage contains exclusions.

Critical Illness
Provides benefits, paying insured when diagnosed as having cancer, heart attack stroke or paralysis (additional conditions could be available). Benefit amount contingent on when diagnosis occurs. Coverage contains exclusions.

Survivor Income
Survivor Income is an accidental death product focused on providing on-going income to the insured's beneficiaries. Survivor Income allows you to make sure that your loved ones maintain their standard of living while recuperating.

Universal Accident
Universal Accident provides broad appeal by covering all of the possible outcomes of a severe accident.

Return of Premium Cancer Insurance
Provides supplemental benefits to help people who are concerned that cancer may affect their ability to pay for any need that arises in their family. ROP Cancer provides an unlimited benefit period and a higher benefit amount for both hospitalization and ongoing outpatient treatment than many other cancer insurance products. ROP Cancer offers a return of all premiums paid, less any benefits received once the certificate has been in force for 15 years.

Mortgage AD
Provides the policy holder with the means to protect the investment of their home in the event of an accidental death. The policy will pay off the outstanding mortgage balance up to $350,000 in the event of an accidental death. The customer can choose from either single or joint coverage.

Involuntary Unemployment Cash Benefit
The Cash Benefit Plan provides a fixed monthly benefit that is paid directly to the insured in the event of loss of income due to Disability, Involuntary Unemployment, Family Leave or is hospitalized due to an accident. The product also provides a death benefit from a Term Life or Accidental Death coverage plan. Policy holders can use benefits in any manner they see fit.