If this is your first experience buying Accidental Death Insurance, or you致e heard about it and just aren稚 sure it痴 right for you, we致e compiled a list of the most Frequently Asked Questions from our customers to help you make your decision. Please read them over and see if your question is answered. If not, we invite you to contact us so that we may offer further assistance.

Can I be turned down for this insurance? I致e had health problems, can I still sign up? Can I really get my paid premiums back? The price says, "$12.95" now, but is that going to go up over time? At the end of the 15 year period, can I renew my certificate/policy? What if I get this insurance and decide I don't want it, do I get my money back? Can I be turned down for this insurance? You cannot be turned down for coverage if you are age 18 to 60. Click here for exceptions. Back to Top I致e had health problems, can I still sign up? Yes. As a matter of fact, it might surprise you how easy it is to sign up using our online application/enrollment form. At no time in this process will you need to answer questions about your health, your income, or your current financial status. Back to Top Can I really get my paid premiums back? Yes. If you don稚 make a claim after 15 consecutive years of coverage, we will return the full amount of premiums you paid in one lump sum. That痴 $2,331 cash back in your pocket (or $3,591 if both you and your spouse are covered.) Back to Top The price says, "$12.95" now, but is that going to go up over time? We can change premium rates on any date after the first 12 months of coverage. For group coverage any change will be made on a uniform basis to all insureds of the same class. For individual coverage any change will be made for all policies of this form in the state where your policy was issued. Back to Top At the end of the 15 year period, can I renew my certificate/policy? Yes. You can renew your coverage for another 15 year period with the same $50,000 or all-your-money-back offer. The 15 year period begins on your Certificate/Policy Effective Date and ends on the fifteenth Certificate/Policy Anniversary Date. At that time, if no claims are paid, your premium payments will be returned to you and you can renew your coverage. Coverage ends at age 75. Back to Top What if I get this insurance and decide I don't want it, do I get my money back? Your satisfaction is guaranteed. If for any reason you decide the plan isn稚 right for you, just return your Certificate/Policy within 30 days of the date you receive the Certificate/Policy, or the date the first premium is paid. Back to Top Certificate #SLC-AD75-0902/SLCR-ROP15-0902 MP02676 trust: American Family Provider Group Insurance trust Policy Form Series SL-AD75-1002/SLR-ROP-15-0403