Return to flip book view
Deductions per year: 24Accident 1.0 for TXApplicable to policy forms ACCIDENT 1.0-HS and ACCIDENT1.0-NSlOn/Off-Job Accident CoverageISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILYBasic without health screening 0-80 $7.22 $9.82 $11.53 $14.13Accident 1.0 for TXApplicable to policy forms ACCIDENT 1.0-HS and ACCIDENT1.0-NSlOn/Off-Job Accident CoverageISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILYPreferred without health screening 0-80 $9.50 $12.84 $15.26 $18.59Individual Medical Bridge for TXApplicable to policy form Individual Medical Bridgel$1000 Hospital Confinement Benefit, $50 Health Screening Benefit.ISSUE AGE EMPLOYEE EMPLOYEE AND SPOUSE EMPLOYEE AND DEPENDENTCHILDRENEMPLOYEE, SPOUSE ANDDEPENDENT CHILDREN17-49 $7.60 $14.20 $9.85 $16.4550-59 $10.15 $19.03 $12.40 $21.2860-64 $13.35 $25.10 $15.60 $27.3565-75 $17.30 $32.60 $19.55 $34.85Individual Medical Bridge for TXApplicable to policy form Individual Medical Bridgel$2000 Hospital Confinement Benefit, $50 Health Screening Benefit.ISSUE AGE EMPLOYEE EMPLOYEE AND SPOUSE EMPLOYEE AND DEPENDENTCHILDRENEMPLOYEE, SPOUSE ANDDEPENDENT CHILDREN17-49 $14.50 $27.25 $19.75 $32.5050-59 $19.60 $37.03 $24.85 $42.2860-64 $26.25 $49.60 $31.50 $54.8565-75 $34.50 $65.25 $39.75 $70.50Critical Illness 1.0 for TXApplicable to policy form CI-1.0lHSA Compliant, with Subsequent Diagnosis Coverage, Health Screening Benefit, Cancer BenefitNon-Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 17-24 $3.13 $4.75 $3.93 $5.6025-29 $4.18 $6.40 $4.98 $7.2030-34 $5.33 $8.15 $6.13 $9.0035-39 $7.08 $10.90 $7.93 $11.7040-44 $8.53 $13.10 $9.33 $13.9045-49 $11.23 $17.20 $12.03 $18.0550-54 $15.73 $24.15 $16.58 $25.0055-59 $19.48 $29.95 $20.33 $30.8060-64 $25.98 $39.95 $26.83 $40.7565-70 $30.93 $47.50 $31.78 $48.40Page 1 of 4Underwritten by Colonial Life & Accident Insurance CompanySee page 4 for Important Notice
Critical Illness 1.0 for TXApplicable to policy form CI-1.0lHSA Compliant, with Subsequent Diagnosis Coverage, Health Screening Benefit, Cancer BenefitNon-Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$15,000 17-24 $4.16 $6.30 $5.36 $7.5825-29 $5.73 $8.78 $6.93 $9.9830-34 $7.46 $11.40 $8.66 $12.6835-39 $10.08 $15.53 $11.36 $16.7340-44 $12.26 $18.83 $13.46 $20.0345-49 $16.31 $24.98 $17.51 $26.2550-54 $23.06 $35.40 $24.33 $36.6855-59 $28.68 $44.10 $29.96 $45.3860-64 $38.43 $59.10 $39.71 $60.3065-70 $45.86 $70.43 $47.13 $71.78$25,000 17-24 $6.21 $9.40 $8.21 $11.5325-29 $8.83 $13.53 $10.83 $15.5330-34 $11.71 $17.90 $13.71 $20.0335-39 $16.08 $24.78 $18.21 $26.7840-44 $19.71 $30.28 $21.71 $32.2845-49 $26.46 $40.53 $28.46 $42.6550-54 $37.71 $57.90 $39.83 $60.0355-59 $47.08 $72.40 $49.21 $74.5360-64 $63.33 $97.40 $65.46 $99.4065-70 $75.71 $116.28 $77.83 $118.53$30,000 17-24 $7.23 $10.95 $9.63 $13.5025-29 $10.38 $15.90 $12.78 $18.3030-34 $13.83 $21.15 $16.23 $23.7035-39 $19.08 $29.40 $21.63 $31.8040-44 $23.43 $36.00 $25.83 $38.4045-49 $31.53 $48.30 $33.93 $50.8550-54 $45.03 $69.15 $47.58 $71.7055-59 $56.28 $86.55 $58.83 $89.1060-64 $75.78 $116.55 $78.33 $118.9565-70 $90.63 $139.20 $93.18 $141.90(Continued...)Page 2 of 4Underwritten by Colonial Life & Accident Insurance CompanySee page 4 for Important Notice
Critical Illness 1.0 for TXApplicable to policy form CI-1.0lHSA Compliant, with Subsequent Diagnosis Coverage, Health Screening Benefit, Cancer BenefitTobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 17-24 $3.98 $6.10 $4.83 $6.9525-29 $5.73 $8.75 $6.53 $9.6030-34 $7.93 $12.20 $8.78 $13.0535-39 $10.78 $16.50 $11.58 $17.3540-44 $13.48 $20.70 $14.33 $21.5545-49 $17.38 $26.75 $18.23 $27.5550-54 $23.93 $36.75 $24.78 $37.6055-59 $30.58 $47.00 $31.43 $47.8060-64 $39.38 $60.45 $40.18 $61.3065-70 $47.18 $72.50 $48.08 $73.40$15,000 17-24 $5.43 $8.33 $6.71 $9.6025-29 $8.06 $12.30 $9.26 $13.5830-34 $11.36 $17.48 $12.63 $18.7535-39 $15.63 $23.93 $16.83 $25.2040-44 $19.68 $30.23 $20.96 $31.5045-49 $25.53 $39.30 $26.81 $40.5050-54 $35.36 $54.30 $36.63 $55.5855-59 $45.33 $69.68 $46.61 $70.8860-64 $58.53 $89.85 $59.73 $91.1365-70 $70.23 $107.93 $71.58 $109.28$25,000 17-24 $8.33 $12.78 $10.46 $14.9025-29 $12.71 $19.40 $14.71 $21.5330-34 $18.21 $28.03 $20.33 $30.1535-39 $25.33 $38.78 $27.33 $40.9040-44 $32.08 $49.28 $34.21 $51.4045-49 $41.83 $64.40 $43.96 $66.4050-54 $58.21 $89.40 $60.33 $91.5355-59 $74.83 $115.03 $76.96 $117.0360-64 $96.83 $148.65 $98.83 $150.7865-70 $116.33 $178.78 $118.58 $181.03$30,000 17-24 $9.78 $15.00 $12.33 $17.5525-29 $15.03 $22.95 $17.43 $25.5030-34 $21.63 $33.30 $24.18 $35.8535-39 $30.18 $46.20 $32.58 $48.7540-44 $38.28 $58.80 $40.83 $61.3545-49 $49.98 $76.95 $52.53 $79.3550-54 $69.63 $106.95 $72.18 $109.5055-59 $89.58 $137.70 $92.13 $140.1060-64 $115.98 $178.05 $118.38 $180.6065-70 $139.38 $214.20 $142.08 $216.90(Continued...)Page 3 of 4Underwritten by Colonial Life & Accident Insurance CompanySee page 4 for Important Notice
Whole Life 1000 for TXApplicable to policy forms ICC07-WL-NGPO-65,ICC07-WL-NGPO-95, ICC08-WL-GPO-65, ICC08-WL-GPO-95,WL-NGPO-65, WL-NGPO-95, WL-GPO-65 and WL-GPO-95lPaid-Up at Age 95Non-Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00025 $10.28 $19.06 $25.06 $32.9235 $15.01 $28.52 $38.66 $51.0445 $23.04 $44.58 $60.81 $80.5855 $38.79 $76.08 $96.62 $128.3365 $71.70 $141.89 $160.75 $213.83Tobacco RatesISSUE AGE $25,000 $50,000 $75,000 $100,00025 $13.99 $26.48 $32.60 $42.9635 $21.37 $41.23 $49.94 $66.0845 $31.70 $61.90 $80.00 $106.1655 $58.13 $114.75 $132.18 $175.7565 $108.14 $214.79 $213.03 $283.53Important NoticeInsurance coverage has exclusions and limitations that may affect benefits payable. For a complete description of benefits, limitations and exclusions, please refer to anoutline of coverage, sample policy/certificate, proposal description or see your Colonial Life benefits counselor. Coverage type, benefits and rates vary by state. Coverage maynot be available in all states. Rates provided are illustrative and your actual premium may be different depending on your particular situation and plan choices.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.© 2014 Colonial Life & Accident Insurance Company"Colonial Life," and the Colonial Life logo, separately and in combination, are service marks of Colonial Life & Accident Insurance Company. All rights reserved.Natalie J. Teltow | natalie@colonialtx.com | (713) 206-8880(Continued...)Page 4 of 4Underwritten by Colonial Life & Accident Insurance CompanySee page 4 for Important Notice
Accident 1.0 – BasicAccidents happen in places where you and your family spend the most time – at work, in the home and on the playground – and they’re unexpected. How you care for them shouldn’t be. In your lifetime, which of these accidental injuries have happened to you or someone you know?l Sports-related accidental injuryl Broken bonel Burnl Concussionl Lacerationl Back or knee injuriesColonial Life’s Accident Insurance is designed to help you ll some of the gaps caused by increasing deductibles, co-payments and out-of-pocket costs related to an accidental injury. The benet to you is that you may not need to use your savings or secure a loan to pay expenses. Plus you’ll feel better knowing you can have greater nancial security.l Car accidentsl Falls & spillsl Dislocationl Accidental injuries that send you to the Emergency Room, Urgent Care or doctor’s oceWhat additional features are included?l Worldwide coveragel Portablel Compliant with Healthcare Spending Account (HSA) guidelinesWill my accident claim payment be reduced if I have other insurance?You’re paid regardless of any other insurance you may have with other insurance companies, and the benets are paid directly to you (unless you specify otherwise).What if I change employers?If you change jobs or leave your employer, you can take your coverage with you at no additional cost. Your coverage is guaranteed renewable as long as you pay your premiums when they are due or within the grace period. Can my premium change?Colonial Life can change your premium only if we change it on all policies of this kind in the state where your policy was issued. How do I le a claim?Visit coloniallife.com or call our Customer Service Department at 1.800.325.4368 for additional information.Accident Insurance
Your Colonial Life policy also provides benets for the following injuries received as a result of a covered accident.l Burn (based on size and degree) ....................................................................................$1,000 to $12,000l Coma ...............................................................................................................................................................$7,500l Concussion .........................................................................................................................................................$60l Emergency Dental Work .......................................$50 Extraction, $200 Crown, Implant, or Denturel Lacerations (based on size) ........................................................................................................... $30 to $500Requires Surgeryl Eye Injury ...........................................................................................................................................................$200l Tendon/Ligament/Rotator Cu .......................................................... $500 - one, $1,000 - two or morel Ruptured Disc ..................................................................................................................................................$500l Torn Knee Cartilage .......................................................................................................................................$500Surgical Carel Surgery (cranial, open abdominal or thoracic) ................................................................................$1,000l Surgery (hernia) ..............................................................................................................................................$100l Surgery (arthroscopic or exploratory) ....................................................................................................$150l Blood/Plasma/Platelets ................................................................................................................................$300Benets listed are for each covered person per covered accident unless otherwise specied.Initial Carel Accident Emergency Treatment.............. $75 l Ambulance .......................................$120l X-ray Benet ................................................... $20 l Air Ambulance ............................. $1,200Common Accidental InjuriesDislocations (Separated Joint) Non-Surgical SurgicalHip $1,800 $3,600Knee (except patella)$900 $1,800Ankle – Bone or Bones of the Foot (other than Toes)$720 $1,440Collarbone (Sternoclavicular) $450 $900Lower Jaw, Shoulder, Elbow, Wrist $270 $540Bone or Bones of the Hand $270 $540Collarbone (Acromioclavicular and Separation) $90 $180One Toe or Finger $90 $180Fractures Non-Surgical Surgical Depressed Skull $2,250 $4,500 Non-Depressed Skull $900 $1,800 Hip, Thigh $1,350 $2,700 Body of Vertebrae, Pelvis, Leg $675 $1,350 Bones of Face or Nose (except mandible or maxilla) $315 $630 Upper Jaw, Maxilla $315 $630 Upper Arm between Elbow and Shoulder $315 $630 Lower Jaw, Mandible, Kneecap, Ankle, Foot $270 $540 Shoulder Blade, Collarbone, Vertebral Process $270 $540 Forearm, Wrist, Hand $270 $540 Rib $225 $450 Coccyx $180 $360 Finger, Toe $90 $180
Transportation/Lodging AssistanceIf injured, covered person must travel more than 50 miles from residence to receive special treatment and connement in a hospital.l Transportation ............................................................................. $400 per round trip up to 3 round tripsl Lodging (family member or companion) ............................................... $100 per night up to 30 days for a hotel/motel lodging costsAccident Hospital Carel Hospital Admission* ............................................................................................................$750 per accidentl Hospital ICU Admission* ................................................................................................$1,500 per accident* We will pay either the Hospital Admission or Hospital Intensive Care Unit (ICU) Admission, but not both.l Hospital Connement .........................................................$175 per day up to 365 days per accidentl Hospital ICU Connement ...................................................$350 per day up to 15 days per accidentAccident Follow-Up Carel Accident Follow-Up Doctor Visit ..........................................................$50 (up to 2 visits per accident)l Medical Imaging Study ......................................................................................................$100 per accident (limit 1 per covered accident and 1 per calendar year)l Occupational or Physical Therapy ..................................................... $25 per treatment up to 10 daysl Appliances .............................................................................................$75 (such as wheelchair, crutches)l Prosthetic Devices/Articial Limb ....................................................$500 - one, $1,000 - more than 1l Rehabilitation Unit .................................................$100 per day up to 15 days per covered accident, and 30 days per calendar year. Maximum of 30 days per calendar yearAccidental Dismembermentl Loss of Finger/Toe .................................................................................$600 – one, $1,200 – two or morel Loss or Loss of Use of Hand/Foot/Sight of Eye .....................$6,000 – one, $12,000 – two or moreCatastrophic AccidentFor severe injuries that result in the total and irrecoverable:l Loss of one hand and one foot l Loss of the sight of both eyesl Loss of both hands or both feet l Loss of the hearing of both earsl Loss or loss of use of one arm and one leg or l Loss of the ability to speakl Loss or loss of use of both arms or both legs Named Insured ................ $10,000 Spouse ..............$10,000 Child(ren) ......... $5,000365-day elimination period. Amounts reduced for covered persons age 65 and over. Payable once per lifetime for each covered person. Accidental DeathAccidental Death Common Carrierl Named Insured $20,000 $80,000l Spouse $20,000 $80,000l Child(ren) $4,000 $16,000
EXCLUSIONS We will not pay benets for losses that are caused by or are the result of: hazardous avocations; felonies or illegal occupations; racing; semi-professional or professional sports; sickness; suicide or self-inicted injuries; war or armed conict; in addition to the exclusions listed above, we also will not pay the Catastrophic Accident benet for injuries that are caused by or are the result of: birth; intoxication.For cost and complete details, see your Colonial Life benets counselor. Applicable to policy form Accident 1.0-NS-TX.This is not an insurance contract and only the actual policy provisions will control.71742-2-TXMy Coverage Worksheet (For use with your Colonial Life benets counselor) Who will be covered? (check one) Employee Only Spouse Only One Child Only Employee & Spouse One-Parent Family, with Employee One-Parent Family, with Spouse Two-Parent FamilyWhen are covered accident benets available? (check one) On and O -Job Benets O -Job Only BenetsColonial Life 1200 Colonial Life BoulevardColumbia, South Carolina 29210coloniallife.com©2011 Colonial Life & Accident Insurance Company.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.Colonial Life and Making benets count are registered service marks of Colonial Life & Accident Insurance Company. 10/11Accident 1.0 – Basic
Accident 1.0-PreferredAccidents happen in places where you and your family spend the most time – at work, in the home and on the playground – and they’re unexpected. How you care for them shouldn’t be. In your lifetime, which of these accidental injuries have happened to you or someone you know?l Sports-related accidental injuryl Broken bonel Burnl Concussionl Lacerationl Back or knee injuriesColonial Life’s Accident Insurance is designed to help you ll some of the gaps caused by increasing deductibles, co-payments and out-of-pocket costs related to an accidental injury. The benet to you is that you may not need to use your savings or secure a loan to pay expenses. Plus you’ll feel better knowing you can have greater nancial security.l Car accidentsl Falls & spillsl Dislocationl Accidental injuries that send you to the Emergency Room, Urgent Care or doctor’s oceWhat additional features are included?l Worldwide coveragel Portablel Compliant with Healthcare Spending Account (HSA) guidelinesWill my accident claim payment be reduced if I have other insurance?You’re paid regardless of any other insurance you may have with other insurance companies, and the benets are paid directly to you (unless you specify otherwise).What if I change employers?If you change jobs or leave your employer, you can take your coverage with you at no additional cost. Your coverage is guaranteed renewable as long as you pay your premiums when they are due or within the grace period. Can my premium change?Colonial Life can change your premium only if we change it on all policies of this kind in the state where your policy was issued. How do I le a claim?Visit coloniallife.com or call our Customer Service Department at 1.800.325.4368 for additional information.Accident Insurance
Your Colonial Life policy also provides benets for the following injuries received as a result of a covered accident.l Burn (based on size and degree) ....................................................................................$1,000 to $12,000l Coma .............................................................................................................................................................$10,000l Concussion .........................................................................................................................................................$60l Emergency Dental Work .......................................$75 Extraction, $300 Crown, Implant, or Denturel Lacerations (based on size) ........................................................................................................... $30 to $500Requires Surgeryl Eye Injury ...........................................................................................................................................................$300l Tendon/Ligament/Rotator Cu .......................................................... $500 - one, $1,000 - two or morel Ruptured Disc ..................................................................................................................................................$500l Torn Knee Cartilage .......................................................................................................................................$500Surgical Carel Surgery (cranial, open abdominal or thoracic) ................................................................................$1,500l Surgery (hernia) ..............................................................................................................................................$150l Surgery (arthroscopic or exploratory) ....................................................................................................$200l Blood/Plasma/Platelets ................................................................................................................................$300Benets listed are for each covered person per covered accident unless otherwise specied.Initial Carel Accident Emergency Treatment............$125 l Ambulance .......................................$200l X-ray Benet ................................................... $30 l Air Ambulance ............................. $2,000Common Accidental InjuriesDislocations (Separated Joint) Non-Surgical SurgicalHip $2,200 $4,400Knee (except patella) $1,100 $2,200Ankle – Bone or Bones of the Foot (other than Toes) $880 $1,760Collarbone (Sternoclavicular) $550 $1,100Lower Jaw, Shoulder, Elbow, Wrist $330 $660Bone or Bones of the Hand $330 $660Collarbone (Acromioclavicular and Separation) $110 $220One Toe or Finger $110 $220Fractures Non-Surgical Surgical Depressed Skull $2,750 $5,500 Non-Depressed Skull $1,100 $2,200 Hip, Thigh $1,650 $3,300 Body of Vertebrae, Pelvis, Leg $825 $1,650 Bones of Face or Nose (except mandible or maxilla) $385 $770 Upper Jaw, Maxilla $385 $770 Upper Arm between Elbow and Shoulder $385 $770 Lower Jaw, Mandible, Kneecap, Ankle, Foot $330 $660 Shoulder Blade, Collarbone, Vertebral Process $330 $660 Forearm, Wrist, Hand $330 $660 Rib $275 $550 Coccyx $220 $440 Finger, Toe $110 $220
Transportation/Lodging AssistanceIf injured, covered person must travel more than 50 miles from residence to receive special treatment and connement in a hospital.l Transportation ............................................................................. $500 per round trip up to 3 round tripsl Lodging (family member or companion) ............................................... $125 per night up to 30 days for a hotel/motel lodging costsAccident Hospital Carel Hospital Admission* ........................................................................................................$1,000 per accidentl Hospital ICU Admission* ................................................................................................$2,000 per accident* We will pay either the Hospital Admission or Hospital Intensive Care Unit (ICU) Admission, but not both.l Hospital Connement .........................................................$225 per day up to 365 days per accidentl Hospital ICU Connement ...................................................$450 per day up to 15 days per accidentAccident Follow-Up Carel Accident Follow-Up Doctor Visit ..........................................................$50 (up to 3 visits per accident)l Medical Imaging Study ......................................................................................................$150 per accident (limit 1 per covered accident and 1 per calendar year)l Occupational or Physical Therapy ..................................................... $25 per treatment up to 10 daysl Appliances ..........................................................................................$100 (such as wheelchair, crutches)l Prosthetic Devices/Articial Limb ....................................................$500 - one, $1,000 - more than 1l Rehabilitation Unit .................................................$100 per day up to 15 days per covered accident, and 30 days per calendar year. Maximum of 30 days per calendar yearAccidental Dismembermentl Loss of Finger/Toe .................................................................................$750 – one, $1,500 – two or morel Loss or Loss of Use of Hand/Foot/Sight of Eye .....................$7,500 – one, $15,000 – two or moreCatastrophic AccidentFor severe injuries that result in the total and irrecoverable:l Loss of one hand and one foot l Loss of the sight of both eyesl Loss of both hands or both feet l Loss of the hearing of both earsl Loss or loss of use of one arm and one leg or l Loss of the ability to speakl Loss or loss of use of both arms or both legs Named Insured ................ $25,000 Spouse ..............$25,000 Child(ren) ......... $12,500365-day elimination period. Amounts reduced for covered persons age 65 and over. Payable once per lifetime for each covered person. Accidental DeathAccidental Death Common Carrierl Named Insured $25,000 $100,000l Spouse $25,000 $100,000l Child(ren) $5,000 $20,000
EXCLUSIONS We will not pay benets for losses that are caused by or are the result of: hazardous avocations; felonies or illegal occupations; racing; semi-professional or professional sports; sickness; suicide or self-inicted injuries; war or armed conict; in addition to the exclusions listed above, we also will not pay the Catastrophic Accident benet for injuries that are caused by or are the result of: birth; intoxication.For cost and complete details, see your Colonial Life benets counselor. Applicable to policy form Accident 1.0-NS-TX.This is not an insurance contract and only the actual policy provisions will control. 71743-2-TXMy Coverage Worksheet (For use with your Colonial Life benets counselor) Who will be covered? (check one) Employee Only Spouse Only One Child Only Employee & Spouse One-Parent Family, with Employee One-Parent Family, with Spouse Two-Parent FamilyWhen are covered accident benets available? (check one) On and O -Job Benets O -Job Only BenetsColonial Life 1200 Colonial Life BoulevardColumbia, South Carolina 29210coloniallife.com©2011 Colonial Life & Accident Insurance Company.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.Colonial Life and Making benets count are registered service marks of Colonial Life & Accident Insurance Company. 10/11Accident 1.0-Preferred
For more information, talk with your benefits counselor.Hospital Confinement Indemnity InsurancePlan 1THIS POLICY PROVIDES LIMITED BENEFITS.EXCLUSIONS We will not pay benefits for losses which are caused by: dental procedures, elective procedures and cosmetic surgery, felonies or illegal occupations, intoxicants or narcotics, pregnancy of a dependent child, psychiatric or psychological conditions, suicide or injuries which any covered person intentionally does to himself or herself, war, or giving birth within the first nine months aer the eective date of the policy. We will not pay benefits for hospital confinement of a newborn who is neither injured nor sick. We will not pay benefits for loss during the first 12 months aer the eective date due to a pre-existing condition. A pre-existing condition is a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within the 12 months before the eective date of the policy.For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy number IMB7000-AK and IMB7000-TX. This is not an insurance contract and only the actual policy provisions will control.©2016 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. IMB7000 – PLAN 1 | 6-16 | 101576-AK-TXColonialLife.comOur Individual Medical BridgeSM insurance can help with medical costs that your health insurance may not cover. These benefits are available for you, your spouse and eligible dependent children. Hospital confinement .....................................................................$__________________Maximum of one benefit per covered person per calendar yearObservation room .................................................................................. $100 per visitMaximum of two visits per covered person per calendar yearRehabilitation unit confinement .................................................................$100 per dayMaximum of 15 days per confinement with a 30-day maximum per covered person per calendar yearWaiver of premiumAvailable aer 30 continuous days of a covered hospital confinement of the named insuredHealth savings account (HSA) compatibleThis plan is compatible with HSA guidelines. This plan may also be oered to employees who do not have HSAs.Colonial Life & Accident Insurance Company’s Individual Medical Bridge oers an HSA compatible plan in most states.
CRITICAL ILLNESS 1.0Help employees with critical illness treatment costsEmployees never know when they could face a sudden critical illness, which can have a big impact on not only their health but also their finances. Even if employees have health insurance, a critical illness can lead to deductibles, co-payments and other out-of-pocket expenses.You can help employees get the financial protection they need by oering specified critical illness insurance. This coverage can be employee-paid, so the employer can oer it at no direct cost to the company. And with flexible plan options, employees can get the coverage that best fits their needs.ColonialLife.comSpecified Critical Illness InsuranceBenefits and features1 Health screening benefit This benefit helps reduce the risk of serious illness through early detection. Subsequent diagnosis benefit2 With this benefit, the policy can pay more than once if employees are diagnosed with a dierent critical illness or the same one. Health savings account (HSA) options HSA-compliant options are available, so employers may provide coverage that can be used alongside employees’ health savings accounts. Portability Employees can take coverage with them if they change jobs or retire. Guaranteed renewable This product is individually owned with no increase in premium or change in plan design if the employee changes jobs or retires.
ColonialLife.comTalk with your Colonial Life benefits counselor to learn more.1 Policies have exclusions and limitations that may aect benefits payable. The product, its name or its provisions may vary or be unavailable in some states. See a Colonial Life benefits representative for complete details.2 Dates of diagnoses of a covered critical illness must be separated by at least 180 days. See policy language for complete details on coverage of subsequent diagnosis of the same or dierent critical illness.3 Please refer to the policy for complete definitions of covered conditions.4 Benefit for coronary artery disease applicable in lieu of benefit for coronary artery bypass gra surgery when health savings account (HSA) compliant plan is selected.THIS POLICY PROVIDES LIMITED BENEFITS.7-17 | 101829Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2017 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.Covered critical illnessesSpecified critical illness insurance can help pay for costs associated with the following illnesses:3 Heart attack (myocardial infarction) Stroke End-stage renal (kidney) failure Major organ failure Permanent paralysis due to a covered accident Coma Blindness Occupational infectious HIV or occupational infectious hepatitis B, C or D Coronary artery bypass gra surgery/disease4 Cancer (optional) Carcinoma in situ (optional)Plan designsYou can choose from these plan options: Critical illness Critical illness + Health screening Critical illness + Subsequent diagnosis benefit (pays more than once) Critical illness + Health screening + Subsequent diagnosis Critical illness + Health screening + Subsequent diagnosis (HSA-compliant option)Employer chooses: Cancer option, which includes a cancer vaccine benefit Lump-sum face amount
Whole Life Plus InsuranceOur individual whole life plan offers dependable lifetime coverage and guaranteed cash value to help employees during challenging times.Whether employees want the nancial security of a predictable death benet or access to the plan’s cash value through a policy loan for emergency situations, Whole Life Plus insurance has the exibility to provide both.1Product guarantees(as long as premiums are paid and no loans are taken)Competitive features• Death benet stays the same2• Choice of two plan designs based on length of time premiums are paid (Paid-Up at Age 70 and Paid-Up • Accumulates cash value based on a nonforfeiture at Age 100)interest rate of 3.75%1 • Coverage for broad issue age ranges, up to 79 on • Premiums remain the samePaid-Up at Age 100 plan• Tobacco-distinct, unisex ratesAttractive underwriting• Accelerated death benet due to terminal illness2• Face amounts up to $500,000• $3,000 advance claim payment from the death benet2• Guaranteed issue available• Policy loans available ($250 minimum)1• Nonmedical underwriting (no blood proles or examinations) available for certain age bands and face amounts• Spouse signature not required for spouse term rider or spouse whole life plus policy with face • Policy pays cash surrender value at age 100 (when the policy endows)• Portability that enables employees to take coverage with them if they change jobs or retireamounts up to $50,000, except in states that require applicant to signOptional riders• Accidental death benet riderFamily coverage options• Chronic care accelerated death benet rider• Stand-alone spouse and juvenile policies available with no employee policy required• Spouse term rider (10- and 20-year) available on • Critical illness accelerated death benet rider• Guaranteed purchase option rider• Waiver of premium benet rideremployee policy • Children’s term rider available on employee or spouse policyWHOLE LIFE PLUS (IWL5000)
Why choose Colonial Life?Life is full of unexpected moments. Colonial Life offers an unexpected approach to benets. Service at every step: We make account setup, enrollment, billing and claims easy. And we have a team ready to help when you need it.Personalized benets counseling: Our benets counselors can meet with employees individually to create a personalized benets solution that ts their needs now and in the future. A trusted partnership: As business and employees’ needs change, we ensure that the support we provide changes and adapts, too. One in four employers indicated life insurance is now more important and they are considering changes to their plans, such as adding supplemental life.3Contact your Colonial Life representative to learn more about Whole Life Plus.ColonialLife.com1. Accessing the accumulated cash value reduces the death benet by the amount accessed, unless the loan is repaid. Cash value will be reduced by any outstanding loans against the policy.2. Any accelerated benet payout would reduce the death benet. Benets may be taxable as income. Individuals should consult with their legal or tax counsel when deciding to apply for accelerated benets.3. LIMRA, 2021 Insurance Barometer Study. https://www.limra.com/en/research/research-abstracts-public/2021/2021-insurance-barometer-study. Accessed July 2021.EXCLUSIONS AND LIMITATIONS: If the insured dies by suicide, whether sane or insane, within two years (one year in ND) from the coverage effective date or the date of reinstatement, we will not pay the death benet. We will terminate this policy and return the premiums paid without interest, minus any loans and loan interest to you. This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benets payable. Applicable to policy forms ICC19-IWL5000-70/IWL5000-70, ICC19-IWL5000-100/IWL5000-100, ICC19-IWL5000J/IWL5000J and rider forms ICC19-R-IWL5000-STR/R-IWL5000-STR, ICC19-R-IWL5000-CTR/R-IWL5000-CTR, ICC19-R-IWL5000-WP/R-IWL5000-WP, ICC19-R-IWL5000-ACCD/R-IWL5000-ACCD, ICC19-R-IWL5000-CI/R-IWL5000-CI, ICC19-R-IWL5000-CC/R-IWL5000-CC, ICC19-R-IWL5000-GPO/R-IWL5000-GPO. For cost and complete details of the coverage, call or write your Colonial Life benets counselor or the company.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC© 2021 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOR BROKERS AND EMPLOYERS 7-21 | 642200