24-HOUR ACCIDENT PROTECTOR
COVERING ACCIDENTAL LOSS OF LIFE AND DISMEMBERMENT
(World-Wide, 24 hours a day, 365 days a year)
Regular Life Insurance policies cover the loss of life due to accidental or natural sickness, but there is no coverage for accidental dismemberment. 24-Hour Accident Protector provides lump sum cash benefits for a person who is alive but has lost certain parts of the body due to an accident.
Premiums ages 16-64 for loss of life and dismemberment:
White collar (e.g. executives, accountants, lawyers):
$1.20 per $1,000 coverage
Blue collar (e.g. superintends, engineers, forepersons):
$1.80 per $1,000 coverage
For double indemnity:
add 20 cents per $1,000
For dependants: add 55 cents per $1,000
Example - $250,000 coverage:
White collar with double Indemnity:
(1.20 + 0.20) = 1.40 x 250 =
$350 annual premium
Blue collar with double indemnity:
(1.80 + 0.20) = 2.00 x 250 =
$500 annual premium





Benefits (Optional):
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Common Carrier
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Double Indemnity Benefit
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Dependent Benefit
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Children Education Benefit
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Spousal Education Benefit