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LIFE
INSURANCE
Q:
What kind of life policy is this?
A: It is a term life policy.
Q: Are the premiums level?
A: The premiums are level for five years and will change at
the 0 or 5 birthdays (example: age 30, 35, 40, 45).
Q: Can I purchase this on my family?
A: Yes, you can purchase coverage on your spouse for up to
$250,000 and $5,000 on your children.
Q: Do I need to name my spouse as beneficiary?
A: No, you may select anyone as a beneficiary.
Q: Do I need to be an ACEP member to enroll?
A: Yes, you must be and remain an ACEP member to continue
coverage; however, you can convert coverage.
Q: Is there a waiver of premium option?
A: Yes, after you have been on disability for six months
you are eligible.
Q: When applying for coverage will I need to get a
physical?
A: Blood and urine tests may be requested along with
medical records and an attending physician statement (APS).
Q: What premium modes can I select from?
A: We offer Direct monthly ACH, Monthly, Quarterly,
Semi-Annual and Annual.
Q: How will my beneficiary make a claim on this policy?
A: Claims can be made by calling Hagan Benefits. At that
point, we will mail all of the appropriate forms immediately.
Q: What forms must a beneficiary complete to receive the
insurance benefit?
A: The forms include a general claim form for the
beneficiary, an attending physician statement and a request for a
certified death certificate. |
The HartfordŽ is The Hartford Financial Services Group, Inc., and its
subsidiaries, including issuing company The Hartford and Accident
Insurance Company
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