Accident Insurance – 24-Hour On & Off-the-Job Insurance

Underwritten by Transamerica Life Insurance Company

What happens if you get hurt?

Accident insurance can help offset medical deductible, help reduce stress and recovery time.

Are we insured for that?

Accidents and injuries can happen at any place at any time. It is important to protect yourself and make sure you can bounce back from whatever life may throw at you. Transamerica Life Insurance Company’s AccidentAdvance® offers benefits for accidents. It is an advancement in accident insurance. It is AccidentAdvance.

This policy pays in addition to any other insurance.

Understanding AccidentAdvance®

Issue ages for employees and spouses are 18 through 64. Eligible children can have insurance up to age 25. The base policy includes Accident Emergency Treatment, Follow-Up Visit and Physical Therapy, Initial Accident Hospitalization.

Riders Included with the Policy:

• Expanded Benefits Rider
• Accident Hospital and ICU Income Rider

This is a brief summary of the AccidentAdvance® Accidcent Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA.  Policy form series CPACC100 & CCACC100. Forms and form numbers may vary.  This insurance may not be available in all jurisdictions.  Limitations and exclusions apply.  Refer to the policy, certificate and riders for complete details.


Limitations and Exclusions

We will not pay benefits for losses caused by or as a result of an insured person:

Driving any taxi for wage, compensation or profit;

Mountaineering, parachuting or hang gliding;

Voluntarily taking, administering, absorbing or inhaling poison, gas or fumes;

Alcoholism or drug addiction;

Participating in any sport or sporting activity for wage, compensation, profit, or racing any type of vehicle in an organized event;

Traveling in or descending from any vehicle or device for aerial navigation, except as a fare paying passenger in an

aircraft operated by a commercial airline (other than a charter airline) on a regularly scheduled passenger trip;

War, or any act of war, whether declared or undeclared;

Participating in any activity or event, including the operation of a vehicle, while intoxicated or under the influence according to the laws of the jurisdiction in which the accident occurred;

Participating in a riot, civil commotion, civil disobedience or unlawful assembly;

Committing, attempting to commit, or taking part in a felony or assault or engaging in an illegal occupation;

Intentionally self-inflicting bodily injury or attempting suicide while sane or insane;

Any loss incurred while on active duty status in the armed forces. If you notify us of such active duty, we will refund any premiums paid for any period for which no insurance is provided as a result of this exception.

Termination of Insurance

Subject to the Portability Option, insurance on the employee will end on the earliest of:

the date of his or her death;

the date he or she ceases to be eligible for insurance;

the last date for which premium payment has been made to us, subject to the grace period;

the date he or she terminates employment;

the date the group master policy terminates;

the date he or she sends us a written notice to cancel insurance.

The insurance on a dependent will cease on the earliest of:

the date of the employee’s death;

the date the employee’s insurance terminates;

the last date for which premium payment has been made to us, subject to the grace period;

the date the dependent no longer meets the definition of dependent;

the date the certificate is modified so as to exclude dependent insurance;

the date the employee sends us a written notice to cancel insurance on a dependent.

Extension of Benefits

Whenever termination of insurance under this section occurs due to termination of employment, such termination will be without prejudice to:

any hospital confinement which began while insurance was in force; or any covered treatment or service for which benefits would be provided and which began while insurance was in force; provided, however that the insured person is and continues to be hospital confined or receiving treatment.

Such Extension of Benefits will continue for up to the earlier of:

30 days; or

the date on which the insured person is no longer hospitalized or receiving treatment.

Portability Option

If an employee loses eligibility for this insurance for any reason other than nonpayment of premiums, insurance can be continued by paying the premiums directly to us within 31 days after termination. We will bill the employee directly once we receive notification to continue your insurance.

Termination of the Group Master Policy

The policyholder may end the policy on any premium due date by submitting a 60-day advance written notice. A group will not be continued if it drops below the minimum required participation. The group master policy will be terminated and insurance of all remaining insureds will end, subject to the Portability Option.

Limitations and Exclusions

Other Insurance with Us

An individual can only have one accident policy or certificate with us. An individual can only have one disability income policy, certificate, or rider with us. If a person already has accident insurance with us, such person is not eligible to apply for this insurance. If a person already has disability income insurance with us, such person is not eligible to apply for the disability income riders.