It is a term life policy.
The premiums are level for five years and will change at the 0 or 5 birthdays (example: age 30, 35, 40, 45).
Yes, you can purchase coverage on your spouse for up to $250,000 and $5,000 on your children.
No, you may select anyone as a beneficiary.
Yes, you must be and remain an ACEP member to continue coverage; however, you can convert coverage.
Yes, after you have been on Total Disability for six months you are eligible.
Blood and urine tests may be requested along with medical records and an attending physician statement (APS).
We offer Direct monthly ACH, Monthly, Quarterly, Semi-Annual and Annual.
Claims can be made by calling HBI. At that point, we will mail all of the appropriate forms immediately.
The forms include a general claim form for the beneficiary, an attending physician statement and a request for a certified death certificate.
Life Form Series includes GBD-1000, GBD-1100, or state equivalent.