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The Hartford

IN THE BLINK OF AN EYE, EVERYTHING CAN CHANGE.

The Fraternal Order of Eagles Loyalty PLUS Accident Insurance Plan from Fraternal Order of Eagles is an accidental death insurance plan that provides a cash benefit when death occurs within 90 days of a covered accident.

Your acceptance is guaranteed with NO medical exam and NO health questions.

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PLAN BENEFITS

This plan offers two different benefits for covered accidents and provides cash benefits paid directly to you, or anyone you choose - benefits that are paid in addition to any other insurance you might have.

Hospitalization

Pays when a covered INJURY requires a hospital stay within 90 days of the INJURY. The benefit will also cover subsequent hospitalizations resulting from the INJURY for up to two years. The benefit is payable for a maximum of 365 days. Hospital does not include a nursing or convalescent home, skilled nursing facility, a place for treatment of mental illness, alcoholism or substance abuse, or a place for rest, custodial care, or care of the aged.

Accidental Death

Pays when a covered person's INJURY results in death within 90 days from a covered accident listed below. Your benefits for Accidental Death will be paid: first, to your spouse; second, equally, to your children; third, to your estate.

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Accidents are COVERED 24 Hours a Day

Pedestrian Accident Automobile Other Accidents Plane

Automobile, Motor Home, Truck, or Pedestrian Accident
With this plan, your insurance benefits help protect you for covered accidents. So if you should suffer an accident at home, at work, on the road, or anywhere else, you can count on this protection. And it continuously helps protect you with what can be much needed cash benefits for the unexpected costs of an accident 24 hours a day, and around the globe.

CASH BENEFITS

The benefit amount is based on the number of years you have been a Fraternal Order of Eagles member. Your coverage is automatically increased by 20% for every consecutive year of Eagles membership through your 6th year - at no additional cost to you.

The chart below shows how your MEMBER BENEFITS WOULD INCREASE with the Eagles Loyalty PLUS Plan.

Years of Eagles Membership
1 2 3 4 5 6+
Accidental Death Benefit $15,000 $18,000 $21,000 $24,000 $27,000 $30,000
Hospitalization Daily Benefit $150 $180 $210 $240 $270 $300

Rates and/or benefits may be changed only on a class basis.

EAGLES LOYALTY PLUS PLAN COVERAGE OPTIONS

Individual Plan
$57.00
Paid annually
Family Plan*
$95.00
Paid annually

* Family Plan protects at a percentage of your coverage. See "Include Your Family" below for details.

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ELIGIBILITY AND COVERAGE EFFECTIVE DATE
As an Eagles member, you are eligible to enroll regardless of your medical history provided you are at least 18 years of age and a resident of the U.S. Your coverage will take effect after your enrollment form and your first premium payment are processed by the Eagles Member Insurance Program Administrative office.

PRIORITY BENEFITS A Hospital Benefit will be paid when a covered Injury requires a Hospital stay within 90 days of the Injury. The Benefit will also cover subsequent hospitalizations resulting from the Injury for up to two years. The Benefit is payable for a maximum of 365 days. The Hospital stay must be recommended by a doctor. Hospital does not include a nursing home, convalescent home, skilled nursing facility, a place for rest, custodial care, or for the aged, a clinic, or a place for the treatment of mental illness, alcoholism, or substance abuse. An Accidental Death Benefit will be paid when a covered person’s Injury results in death within 90 days from a covered accident listed below. Eagles Loyalty PLUS Plan benefits for Loss of Life will be paid: first, to your spouse; second, equally, to your children; third, to your estate.

ACCIDENTS ARE COVERED - 24 HOURS A DAY! With this plan, your insurance benefits help protect you for covered accidents 24/7, 365 days a year. Whether it’s an accident around the house, at church, at the bank, or at the store, your protection will be with you. Slipping on a wet surface, falling down stairs, or an accident that occurs while you’re enjoying your favorite past time, your coverage will help protect you from accidents, anywhere you are.

BENEFITS THAT PAY CASH DIRECTLY TO YOU All benefit checks are made payable to you—and you can use the money however it will help you most. Plus, this plan pays benefit amounts in addition to any other insurance you have, including other Eagles plans. Benefit amounts are paid directly to you or to anyone you designate.

SPECIALLY-ARRANGED PREMIUMS
Your specially-arranged Eagles Loyalty PLUS Plan premium rates and/or benefits cannot be changed unless the same change applies to all members insured under the master policy.

YOUR PLAN CANNOT BE TERMINATED DUE TO AGE OR HEALTH
Your coverage cannot be cancelled by the insurance company as long as you remain a member of Fraternal Order of Eagles, pay the renewal premium when due, and the Plan's master policy remains in effect. Dependents' coverage ceases when your coverage terminates, premiums are not paid, or the dependents are no longer eligible.

No-Cost Benefit Amount Increases, Maximum Protection
Your benefit amounts are determined by the number of consecutive years you have been a member of Eagles. With each member year your benefit amounts will continue to grow with no increase in premium. Maximum protection will accrue in the sixth year.

100% SATISFACTION GUARANTEE
You'll have a full 30 days to review your Certificate of Insurance. If the coverage is not everything you hoped it would be, just return your Certificate to us for a full refund of all the premium you have paid, minus any claims paid.

INCLUDE YOUR FAMILY
With Family coverage, your spouse, who is at least 18, a U.S. Resident and not legally separated or divorced from you, is covered for 50% of the amount of your coverage if your eligible children (unmarried children under age 19, older if full-time college students, see your Certificate of Insurance for more details) are covered; or 60% if you have no eligible dependent children covered. In addition, each child has 20% of the amount of your coverage if you have a spouse, or 40% if you have no spouse. Each eligible family member's protection increases each year based on your Eagles membership years, up to year six.

ELIGIBILITY RESTRICTIONS
When Spouses are both Eligible Persons:
1) coverage may not be duplicated by applying as dependents of each other; and
2) coverage for an eligible Dependent Child may be requested by either the wife or the husband, but not both.

Definition of Injury Injury means bodily injury resulting directly from a covered accident and independent of all other causes.

Definition of Common Carrier Common Carrier means a conveyance operated by a concern, other than the Policyholder, organized and licensed for the transportation of passengers for hire and operated by that concern.

EXCLUSIONS
The Policy does not cover any loss caused or contributed to by: 1) intentionally self-inflicted Injury; 2) suicide or attempted suicide, whether sane or insane; 3) war or act of war, whether declared or not; 4) Injury sustained while on full-time active duty as a member of the armed forces (land, water, air) of any country or international authority; (We will refund the pro rata portion of any premium paid for You or Your Dependents while You or Your Dependents are in the armed forces on full-time active duty, for a period of two months or more. Written notice must be given to Us within 12 months of the date You or Your Dependents enter the armed forces); 5) Injury sustained while On any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft; 6) Injury sustained while On any aircraft: a) as a pilot, crewmember or student pilot; b) as a flight instructor or examiner; c) if it is owned, operated or leased by or on behalf of the Policyholder, or organization whose eligible persons are covered under The Policy; d) being used for tests, experimental purposes, stunt flying, racing or endurance tests; 7) Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens unless as prescribed by or administered by a Physician; 8) Injury sustained while riding or driving in a scheduled race or testing any Motor Vehicle on tracks, speedways or proving grounds; 9) Injury sustained while committing or attempting to commit a felony. 10) Injury sustained while Intoxicated. Intoxicated means: 1) the blood alcohol content; 2) the results of other means of testing blood alcohol level; or 3) the results of other means of testing other substances; that meet or exceed the legal presumption of intoxication, or under the influence, under the law of the state where the accident occurred. Benefits will be paid for only one Type of Covered Accident under each Benefit payable under the Policy. THIS IS LIMITED ACCIDENT ONLY COVERAGE.

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this information and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the Hartford Life and Accident Insurance Company, detail exclusions, limitations, and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

THIS IS LIMITED ACCIDENT-ONLY COVERAGE.

Accident Form Series includes GBD-1000, GBD-1300 or state equivalent.
Policy Number: ADD-13229
Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155

Fraternal Order of Eagles retains or is paid compensation directly or indirectly for services associated with this insurance program, which benefits the entire membership. Affinity Insurance Services Inc. is compensated for the placement of insurance, in addition to other compensation it may receive. AMA Insurance Agency, Inc. provides administrative services for the Eagles on behalf of The Hartford.

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