AGI Benefits :: Accidental Death&Dismemberment

June 4, 2005

Accidents are the leading cause of death in America, under age 44. At all ages, accidents are the fourth leading cause of death according to the National Safety Council.

This employee-paid program allows them to obtain very affordable, high-limit AD & D insurance coverage on themselves and their entire families.

Extremely affordable - rates are generally 40% to 60% less than what is available on an individual

basis

No premium increase due to age change

Available to all benefit-eligible employees, under age 70, working at least 20 hours per week

Low participation required - 10

It pays full benefit due to accidental death, and benefits for other losses

Provides 24 hour-a-day, world-wide coverage

Guaranteed issue, regardless of health

Choice of benefit amounts from $50,000 to $500,000 for employee

Family coverage provides an amount equal to 50% of your employee amount for your spouse if no

dependent children. If there are dependent children, spouse amount is 40% and children amount will

be 10%. Dependent children only are covered at 15% of employee amount.

Includes membership to WorldNet 24-Hour Travel Assistance Program

Simple memo enrollment