Products for a Lifetime
Cancer / Specified–Diseasei
Every day, people are diagnosed with cancer. It is devastating and can change their lives forever —
emotionally, physically, and financially. In the US, the lifetime risk of developing cancer is 42% (1 in 2)
in men and 38% (1 in 3) in women.ii
At NTA Life, our main concern is easing your financial burden after a covered diagnosis and during treatment.
We have developed a cancer insurance policy that provides additional financial protection for the medical and
non–medical costs of cancer, as well as its early identification and treatment. This policy provides direct
payments to you (unless you specify otherwise), regardless of other major medical coverages you may have.
THIS IS A CANCER ONLY POLICY.
i These policies have exclusions. For costs and complete details of coverage,
contact the Company. Some insurance policies are not available in all states.
Depending on the state in which the policy is issued, waiting periods for limited benefits policies may be up to 30 days between the effective date of the policy and the effective date of coverage. Check the policy for the relevant waiting period under your policy.
These policies are guaranteed renewable, which means the policy will renew as long as the premium is paid currently. The company reserves the right to increase premium rates on a premium class and form number basis.
Cancer insurance is issued on policy form GRC–2005 with a state identifier, where applicable, and edition date.
TO NEW YORK RESIDENTS: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 60.47 percent. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.
ii Cancer Facts and Figures 2016. American Cancer Society. Surveillance and Health Services Research.
Depending on the state in which the policy is issued, waiting periods for limited benefits policies may be up to 30 days between the effective date of the policy and the effective date of coverage. Check the policy for the relevant waiting period under your policy.
These policies are guaranteed renewable, which means the policy will renew as long as the premium is paid currently. The company reserves the right to increase premium rates on a premium class and form number basis.
Cancer insurance is issued on policy form GRC–2005 with a state identifier, where applicable, and edition date.
TO NEW YORK RESIDENTS: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 60.47 percent. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.
ii Cancer Facts and Figures 2016. American Cancer Society. Surveillance and Health Services Research.
Heart & Stroke / Specified–Diseaseiii
Annual expenses for care associated with heart conditions in the United States average about $4,000
per year.iv Our products offer coverage that provides additional financial protection
for the medical and non–medical costs of many heart–related conditions, including heart
attack, heart disease and stroke. During that time, costs add up — bills in your mailbox, car
trips to the doctor, prescriptions and others. Our Heart and Stroke policy pays in addition to any
major medical insurance benefits.
THIS IS A LIMITED BENEFIT POLICY.
iii These policies have exclusions. For costs and complete details of coverage,
contact the Company. Some insurance policies are not available in all states.
Depending on the state in which the policy is issued, waiting periods for limited benefits policies may be up to 30 days between the effective date of the policy and the effective date of coverage. Check the policy for the relevant waiting period under your policy.
These policies are guaranteed renewable, which means the policy will renew as long as the premium is paid currently. The company reserves the right to increase premium rates on a premium class and form number basis.
Heart & Stroke insurance is issued on policy form GRH–1004 with a state identifier, where applicable, and edition date.
TO VIRGINIA RESIDENTS: stroke is not a covered condition under the policy terms.
TO NEW YORK RESIDENTS: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 60.50 percent. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.
iv Mean Expenses per Person with Care for Selected Conditions by Type of Service: United States, 2013. Agency for Healthcare Research and Quality. Medical Expenditure Panel Survey.
Depending on the state in which the policy is issued, waiting periods for limited benefits policies may be up to 30 days between the effective date of the policy and the effective date of coverage. Check the policy for the relevant waiting period under your policy.
These policies are guaranteed renewable, which means the policy will renew as long as the premium is paid currently. The company reserves the right to increase premium rates on a premium class and form number basis.
Heart & Stroke insurance is issued on policy form GRH–1004 with a state identifier, where applicable, and edition date.
TO VIRGINIA RESIDENTS: stroke is not a covered condition under the policy terms.
TO NEW YORK RESIDENTS: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 60.50 percent. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.
iv Mean Expenses per Person with Care for Selected Conditions by Type of Service: United States, 2013. Agency for Healthcare Research and Quality. Medical Expenditure Panel Survey.
Accidentv
From work related injuries to traffic accidents, to trips, slips and falls, accidental injuries
happen every day. Rarely do we stop and think about how an accidental injury may affect us. The
average medical and work–loss cost of an emergency department–treated unintentional
injury in the U.S. in 2013 was $14,685.vi
At NTA Life, we want to help prepare you for those unforeseen circumstances. Our accident policy
provides benefits in addition to employer–sponsored coverage and pays you specific amounts
for care and treatment of covered accidents. With direct cash payments to you (unless you tell
us otherwise), you can be back on your feet financially before you're actually back on your feet!
THIS IS AN ACCIDENT ONLY POLICY.
v These policies have exclusions. For costs and complete details of coverage,
contact the Company. Some insurance policies are not available in all states.
These policies are guaranteed renewable, which means the policy will renew as long as the premium is paid currently. The company reserves the right to increase premium rates on a premium class and form number basis.
Accident insurance is issued either on policy form GRA–3003 with a state identifier, where applicable and edition date, or GRA–3004 with a state identifier, where applicable and edition date.
TO NEW YORK RESIDENTS: Accident insurance is issued on Accident Only insurance policy GRA–3004–NY (1/15). This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York Department of Financial Services. The expected benefit ratio for this policy is 50.0 percent. The ratio is the portion of future premiums which the company expects to return as benefits, when average over all people with this policy. IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
vi Estimated Lifetime Medical and Work–Loss Costs of Emergency Department–Treated Nonfatal Injuries – United States, 2013. Center for Disease Control. Morbidity and Mortality Weekly Report.
These policies are guaranteed renewable, which means the policy will renew as long as the premium is paid currently. The company reserves the right to increase premium rates on a premium class and form number basis.
Accident insurance is issued either on policy form GRA–3003 with a state identifier, where applicable and edition date, or GRA–3004 with a state identifier, where applicable and edition date.
TO NEW YORK RESIDENTS: Accident insurance is issued on Accident Only insurance policy GRA–3004–NY (1/15). This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York Department of Financial Services. The expected benefit ratio for this policy is 50.0 percent. The ratio is the portion of future premiums which the company expects to return as benefits, when average over all people with this policy. IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
vi Estimated Lifetime Medical and Work–Loss Costs of Emergency Department–Treated Nonfatal Injuries – United States, 2013. Center for Disease Control. Morbidity and Mortality Weekly Report.
Disability Incomevii
If you become disabled, how long could you pay bills and provide for your family with reduced
earnings? How long will the disability benefit from your employer–sponsored insurance plan
last? Do you have enough set aside to cover the additional expenses caused by a disability?
What you have now and your plans for the future depend upon your ability to work and earn an income.
If you're like most people, you probably have insurance to protect your home, car, and savings
— but do you have insurance to protect your ability to earn an income? At the bottom line,
your income is the foundation that holds up the rest.
Our Disability Income insurance coverage can help you take care of important expenses: food, clothing,
travel and lodging expenses, copayments, and medical costs not covered under other plans.
vii These policies have exclusions. For costs and complete details of coverage,
contact the Company. Some insurance policies are not available in all states.
Depending on the state in which the policy is issued, waiting periods for limited benefits policies may be up to 30 days between the effective date of the policy and the effective date of coverage. Check the policy for the relevant waiting period under your policy.
These policies are guaranteed renewable, which means the policy will renew as long as the premium is paid currently. The company reserves the right to increase premium rates on a premium class and form number basis.
Disability Income insurance is issued on policy form GRD–6004 with a state identifier, where applicable, and edition date.
TO NEW YORK RESIDENTS: This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 53.00 percent. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.
Depending on the state in which the policy is issued, waiting periods for limited benefits policies may be up to 30 days between the effective date of the policy and the effective date of coverage. Check the policy for the relevant waiting period under your policy.
These policies are guaranteed renewable, which means the policy will renew as long as the premium is paid currently. The company reserves the right to increase premium rates on a premium class and form number basis.
Disability Income insurance is issued on policy form GRD–6004 with a state identifier, where applicable, and edition date.
TO NEW YORK RESIDENTS: This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 53.00 percent. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.
Intensive Care Riderviii
A stay in a hospital intensive care unit (ICU) can be an expensive and stressful addition to your
hospital stay. This product provides benefits for confinement in an intensive care unit or reduced
coverage for confinement in a step–down unit.
THIS IS A LIMITED BENEFIT RIDER.
viii These policies have exclusions. For costs and complete details of coverage,
contact the Company. Some insurance policies are not available in all states.
Depending on the state in which the policy is issued, waiting periods for limited benefits policies may be up to 30 days between the effective date of the policy and the effective date of coverage. Check the policy for the relevant waiting period under your policy.
These policies are guaranteed renewable, which means the policy will renew as long as the premium is paid currently. The company reserves the right to increase premium rates on a premium class and form number basis.
This optional rider must be elected and requires an additional premium. Intensive Care insurance is issued on policy form GRI–2015 with a state identifier in GA, SC, TN, and VA, and edition date.
TO NEW YORK RESIDENTS: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
Depending on the state in which the policy is issued, waiting periods for limited benefits policies may be up to 30 days between the effective date of the policy and the effective date of coverage. Check the policy for the relevant waiting period under your policy.
These policies are guaranteed renewable, which means the policy will renew as long as the premium is paid currently. The company reserves the right to increase premium rates on a premium class and form number basis.
This optional rider must be elected and requires an additional premium. Intensive Care insurance is issued on policy form GRI–2015 with a state identifier in GA, SC, TN, and VA, and edition date.
TO NEW YORK RESIDENTS: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
Individual Life Productsix
Do you have a mortgage? How about outstanding debt or children at home or in college? Have you
prepared your family financially in the event of your death? In most cases your family depends upon
you for income and long–term stability. You don't want to risk their future by failing to include
life insurance in your plans.
Our individual termx and individual whole lifexi insurance products are offered in addition
to whatever life insurance policies your employer provides. And these life products are portable —
take them with you if you leave your job for any reason.
ix These policies have exclusions. For costs and complete details of coverage, contact the Company. Some insurance policies are not available in all states.
These policies are guaranteed renewable, which means the policy will renew as long as the premium is paid currently. The company reserves the right to increase premium rates on a premium class and form number basis.
Some insurance policies are not available in all states. A medical exam may be required to determine eligibility for life policies.
Life insurance is issued on policy forms L–1300 and L–2300 with a state identifier, where applicable, and edition date.
x Any death benefit payable will be reduced by any premium due and unpaid as of the date of death.
xi Any death benefit payable will be reduced by any policy indebtedness and any premium due and unpaid as of the date of death.
These policies are guaranteed renewable, which means the policy will renew as long as the premium is paid currently. The company reserves the right to increase premium rates on a premium class and form number basis.
Some insurance policies are not available in all states. A medical exam may be required to determine eligibility for life policies.
Life insurance is issued on policy forms L–1300 and L–2300 with a state identifier, where applicable, and edition date.
x Any death benefit payable will be reduced by any premium due and unpaid as of the date of death.
xi Any death benefit payable will be reduced by any policy indebtedness and any premium due and unpaid as of the date of death.
Hospital Insurancexi
Did you know that the cost of an average hospital stay in the U.S. is $15,734?xii Our Hospital Insurance plan helps you with the costs of a covered hospital stay – whether planned or not. So, whether you have an unexpected trip to the hospital or are admitted for a scheduled surgery, our plan may provide funds needed to help cover costs.
xi These policies have exclusions and limitations. For costs and complete details of coverage,
contact the Company. Some insurance policies are not available in all states.
These policies are guaranteed renewable until the Primary Insured reaches age 70. This means that the policy will renew as long as premiums are paid current until the Primary Insured reaches age 70. The company reserves the right to increase premium rates on a premium class and form number basis.
Hospital insurance is issued to policy form PO–CM–HP8002 with a state identifier and edition date.
xii CDC/National Center for Health Statistics, 2017 Debt.org, America's Debt Help Organization, 2017 data.
WB–CM–1006 (12/19)
These policies are guaranteed renewable until the Primary Insured reaches age 70. This means that the policy will renew as long as premiums are paid current until the Primary Insured reaches age 70. The company reserves the right to increase premium rates on a premium class and form number basis.
Hospital insurance is issued to policy form PO–CM–HP8002 with a state identifier and edition date.
xii CDC/National Center for Health Statistics, 2017 Debt.org, America's Debt Help Organization, 2017 data.
WB–CM–1006 (12/19)
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