Disclosures

About This Product

Family Protector is an accidental death insurance plan. It is not life insurance and not a guaranteed issue whole life product. It pays a lump-sum benefit to the named beneficiary if a covered family member dies as the direct result of a qualifying accident, independent of all other causes, occurring within 365 days of the injury. It does not pay benefits for death resulting from illness or natural causes, including but not limited to cancer, heart attack, and stroke. Additional exclusions and limitations apply as stated in the policy and certificate. For applicants ages 56–65, benefit amounts are reduced to 50% of the amounts otherwise shown.

Insurance Products Disclosure

Insurance products are issued by the applicable underwriting insurance company and are subject to underwriting guidelines, policy terms, conditions, exclusions, limitations, and state availability. Product features, benefits, premiums, and availability may vary by state and individual circumstances. Approval for coverage is not guaranteed and is subject to completion of the application process, underwriting review, and satisfaction of all carrier requirements.

No Contract

Any discussion of policy features, benefits, or amounts is intended as a general summary only and does not constitute a contract. The policy, certificate, rider, and endorsement forms issued by the insurance company contain the actual terms, conditions, exclusions, and limitations governing coverage. In the event of any conflict, the policy provisions will control.

Informational Purposes

This communication is provided for informational and educational purposes only and should not be construed as legal, tax, accounting, or financial advice. Individuals should consult their own qualified advisors regarding their specific circumstances before making any insurance decision.

Producer Disclosure

Insurance products are offered through licensed insurance professionals. Neither the producer nor agency provides legal, tax, or accounting advice. Products may only be offered in jurisdictions where the producer and carrier are properly licensed and appointed. No representation is made that this product is suitable for all individuals; suitability depends on each applicant’s objectives, financial circumstances, and needs.

Guarantees

Any guarantees referenced are based solely on the claims-paying ability and financial strength of the issuing insurance company. Carrier financial strength ratings are subject to change.