Accident Insurance – Florida Retail

THIS PRODUCT PROVIDES LIMITED BENEFITS. USAble Life’s ACCIDENT INSURANCE IS ACCIDENT-ONLY COVERAGE. THIS COVERAGE IS SUPPLEMENTAL AND IS NOT A SUBSTITUTE OR REPLACEMENT FOR COMPREHENSIVE HEALTH INSURANCE COVERAGE. IT IS NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS PRODUCT DOES NOT PROVIDE COVERAGE FOR ILLNESS OR DISEASE.

This document provides a brief description of USAble Life’s Accident insurance. This is not an insurance policy. Limitations and exclusions may apply, and coverage may be reduced or terminated due to lack of eligibility. Please read the insurance policy carefully.

Please consult your policyand any attached riders, if applicable, for specific information about the benefits available, the benefit amounts payable, and the requirements that describe qualifying for payment of the benefits.

Renewability and continuation

The policy is guaranteed renewable during the covered person’s lifetime. USAble Life may change the premium rate, but only if the rate is changed for all policies in the covered person’s state. The policy will not be issued to anyone 65 years of age or over on the initial effective date. If you purchase the policy prior to your 65th birthday, you may continue coverage after age 65 as long as you continue to pay the premium rate by the due date or during the 31 days that follow. Children born while the policy is in force will be covered immediately from the moment of birth under the Individual and Family plans. If you wish to continue coverage on newborn children under the Individual or Individual/Spouse Plan, you must apply within 90 days of the child’s birth date. A covered person’s spouse’s coverage will terminate on the first renewal date following the covered persons death or at the time of divorce. A covered dependent who no longer meets eligibility requirements may convert to an individual policy without evidence of insurability.

Exceptions and limitations

The policy pays only for loss resulting from a covered accident as defined in the policy. It does not cover injuries incurred as a result of a covered person:

1. Being exposed to war or any act of war, declared or undeclared, or serving in any of the armed forces.
2. Intentionally self-inflicting bodily injury or attempting suicide, while sane or insane.
3. Participating in any form of flight aviation other than as a fare-paying passenger in a fully licensed/passenger carrying aircraft.
4. Participating in, or attempting to participate in, an illegal activity that is defined as a felony as defined by the law of the jurisdiction in which the activity takes place, whether charged or not; or being incarcerated in any type of penal institution.
5. Participating in any activity or event, including the operation of a vehicle, while under the influence of a narcotic (unless administered by a physician and taken according to the physician’s instructions) or while intoxicated. “Intoxicated” means that condition as defined by the laws of the jurisdiction in which the accident occurred. Conviction is not necessary for a determination of being intoxicated.
6. Driving any commercial passenger-carrying or cargo vehicle, except school buses, for wage, compensation, or profit.
7. Mountaineering using ropes and/or other equipment, parachuting, or hang gliding.
8. Having cosmetic surgery or other elective procedures that are not medically necessary, or having dental treatment except as a result of injury.
9. Participating in any sport or activity for wage, compensation or profit; or racing any type vehicle in an organized event.
10. Having any sickness or declining process caused by sickness, including physical or mental infirmity or infection (except bacterial infection from a covered accidental injury).

For complete details of coverage, please refer to individual policy forms: AEP (9-05).