For AFA and AFAVBA Members
Multi-Benefit Accident Plan

Decreasing Term Life | Level Term Life
 

Pays up to

$250,000
for Accidental
Death

Pays up to

$500
for emergency medical care
in or out of the hospital
Guaranteed acceptance for Eligible Members and their Families regardless of age or health

Pays up to $250,000 if your death is caused by an accident.

Pays up to $500 for treatment...in or out of a hospital... each time you are injured in an accident (limited once per year).

Pays you or your beneficiary directly.

Pays you in addition to any other coverage you may have.

Pays you regardless of whether the accident occurred at home, at work, at play, or while traveling anywhere in the world.

Pays for injuries or death caused by any common carrier accident including scheduled flights of the Air Mobility Command.

Pays for injuries or death caused in automobile accidents whether you are the driver, passenger, or a pedestrian struck by a motor vehicle ordinarily operated on public streets or highways.

The National Safety Councilís 2008 Edition of Injury Facts reports:

  • Accidents are the leading cause of death among people 1 to 41 years of age.
  • Accidents are the 5th leading cause of death for people of all ages.
  • Accidents caused over 33.2 million people to seek medical attention for injuries.

YOUR AFAVBA GUARANTEES

Guaranteed acceptance and group rates!
Members are guaranteed to be accepted into this plan at economical group rates, regardless of your age or your health history as long as you meet the eligibility requirements. You can also choose Family Coverage, if you like, and protect your spouse and your unmarried dependent children (up to age 21 or 23 if child is a full-time student) at the low group premiums for which you qualify.

Guaranteed renewable coverage!
You cannot be cancelled regardless of the number of claims you make. Only you can cancel as long as the Master Policy with AFAVBA remains in force and your premiums are paid on time.

Satisfaction guaranteed!
If you are not completely satisfied with your coverage when you receive your Certificate of Insurance, simply return it to us within 30 days. Any premium paid will be refunded to you in full.

Who is eligible to apply?

You are eligible to apply if you are a member and meet one of the following requirements:

  1. You are serving or have served in the U.S. Military;
  2. You are the spouse or widow(er) of someone who is serving or has served in the U.S. Military.
  3. You are the ancestor or lineal descendent of someone who is serving or has served in the U.S. Military. (This means children, grandchildren, great-grandchildren, etc. and parents and grandparents of someone with U.S. Military Experience. It does not include aunts and uncles.)


Choose Plan I, II,or III.

Death benefit is determined by the type of accident
COMMON CARRIER ACCIDENT BENEFITS
(including scheduled flights of Air Mobility Command)
You and each insured member of your family are covered while traveling as a passenger in any public air, land, or water conveyance provided by a common carrier primarily used for passenger service...such as a plane (including scheduled flights of the Air Mobility Command), train, bus, ship, or taxi.
  Plan I
Death Benefit
Plan II
Death Benefit
Plan III
Death Benefit
All 3 Plans
Emergency Medical Care
For You $100,000 $150,000 $250,000 up to $500
For Your Spouse $100,000 $150,000 $250,000 up to $500
For Each Child $20,000 $30,000 $50,000 up to $500

AUTO AND PEDESTRIAN ACCIDENTS
You and each insured member of your family are covered while driving (except driving for fare or riding or driving in a race, speed or endurance contest)...or riding as a passenger in a private automobile...or as a pedestrian when struck by a motor vehicle ordinarily operated on public streets or highways.
  Plan I
Death Benefit
Plan II
Death Benefit
Plan III
Death Benefit
All 3 Plans
Emergency Medical Care
For You $50,000 $75,000 $125,000 up to $500
For Your Spouse $50,000 $75,000 $125,000 up to $500
For Each Child $10,000 $15,000 $25,000 up to $500

OTHER ACCIDENTS AT HOME, WORK OR PLAY
(including coverage for pilots and crew members of military, commercial and private aircraft)
You and each insured member of your family are covered for the accident risks you face daily at home, work, or during leisure activities. Coverage is also afforded to pilots and crew members in any licensed aircraft (military or civilian) if being operated by a person holding a valid pilotís license.
  Plan I
Death Benefit
Plan II
Death Benefit
Plan III
Death Benefit
All 3 Plans
Emergency Medical Care
For You $15,000 $25,000 $40,000 up to $500
For Your Spouse $15,000 $25,000 $40,000 up to $500
For Each Child $3,000 $5,000 $8,000 up to $500

Emergency Medical Care Benefits up to $500 are payable up to once per year (maximum 6 claims per lifetime) when the insured person receives treatment within 30 days of the accident and after a $25 deductible has been met. Benefits are paid for: surgical/medical care by a physician; hospital room/board, hospital services/supplies; a registered graduate nurse for private duty nursing care (so long as nurse is not a member of your family or a person who lives in your home); diagnostic x-rays and laboratory exams; drugs and other medical supplies prescribed by a doctor; and dentist services for replacement of natural teeth. This benefit is not payable for any expense incurred while participating in military maneuvers or expenses in excess of reasonable and customary charges.

Accidental Death Benefits up to $250,000 are payable when loss of life occurs within 365 days of the accident (time limit does not apply in Pennsylvania) and while insured under this plan.

FOR YOUR CONVENIENCE

Convenient Payment Options
Premiums may be paid directly to AFAVBA quarterly, semiannually or annually. Or you may prefer convenient monthly automatic debit from your checking account or automatic charge to your VISA or MasterCard. Many people choose the latter ways so as to eliminate additional bills and the necessity of writing and mailing checks.

Economical Group Premiums
For Members and their families only...not available to the general public!

  Plan I Plan II Plan III
  Individual Family Individual Family Individual Family
Monthly $ 3.50 $ 7.00 $ 5.25 $10.50 $ 8.75 $17.50
Quarterly $10.50 $21.00 $15.75 $31.50 $26.25 $52.50
Semi-annually $21.00 $42.00 $31.50 $63.00 $52.50 $105.00
Annually $42.00 $84.00 $63.00 $126.00 $105.00 $210.00
Exceptions:
This plan covers accidents only. It does not cover loss resulting from disease or sickness, or loss caused by a) self-inflicted injury, suicide or attempted suicide (while sane or insane); b) an act of declared or undeclared war or armed aggression; c) being under the influence of any intoxicant or a controlled substance (unless administered on the advice of a physician); d) the commission of a crime or participation in a riot; e) participation in a training exercise while the insured is a student pilot who has not been certified to operate an aircraft or who has not received military wings; or f) while traveling as a pilot or crew member of an experimental aircraft or an aircraft being flown for testing purposes. Emergency Medical Claims are limited to one per year.

How To Apply
  1. Download and print the Application Form for this plan.
     
  2. Send the completed Application and initial payment to:
    AFA Group Insurance Program
    P.O. Box 14464
    Des Moines, IA 50306

Administered by
AFA Group Insurance Program
P.O. Box 14464
Des Moines, IA 50306
E-mail: AFA@marshpm.com
Underwritten by
Metropolitan Life Insurance Company
Home Office: New York, NY
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