The AIA Trust - Benefits

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An accident can happen at any time, anywhere*… on the road, at work, on vacation or at home. Every 10 minutes 2 people are killed and 498 suffer a disabling injury.**

So try as you might, you cannot be sure you will always be safe. But you can help make sure your loved ones are financially prepared if something happens to you.

The AIA Trust Group Accidental Death & Dismemberment (AD&D) Insurance Plan guarantees your acceptance for up to $150,000 in accident coverage if you’re an AIA member under age 60. No physical exam or health questions are required. You must be a resident of the U.S. (except for FL, NC, VT, WA, and territories) or Puerto Rico. Your lawful spouse under age 60 and your dependent children under age 19 (25 if full-time students) are also guaranteed coverage when you enroll.

This additional money could go a long way toward helping your family pay day-to-day living expenses, ensure your children’s education, pay medical bills and rebuild their lives.

With the AIA Trust Group AD&D Plan, you’re protected from many types of accidents—auto accidents, falls, fires, drownings and more. And you’re covered anytime, anywhere* ... at home, at work, vacation ... on top of any other insurance you may already have.

Plus, you pay an affordable, members-only group rate - view the Rates tab for more details.

Questions? Call toll-free 1-866-768-1075

*Subject to U.S. Government regulations on restricted countries.
**National Safety Council, Injury Facts, 2008.

Provides Up to $150,000 in Accident Benefits

The AIA Trust Group AD&D Plan offers AIA members an easy and affordable way to help provide their loved ones with up $150,000 in accident benefits if you die or are seriously injured in a covered accident. This makes this plan an ideal complement to existing life or other accident insurance coverage you may already have.

Guaranteed Acceptance

As an AIA member under age 60, you’re guaranteed acceptance. No physical exam or health questions are required. You must be a resident of the U.S. (except for FL, NC, VT, WA, and territories) or Puerto Rico.

Offers Choice of Benefit Amounts

You can select from among three benefit options: $50,000, $100,000, or $150,000 based on your needs and budget.

Guarantees Protection for Your Family Too.

Family coverage can provide security for your loved ones. Your spouse is guaranteed up to $100,000 in coverage if under age 60. Unmarried dependent children can be covered for up to $15,000 of insurance if under 19 years of age (25 if full-time student) with the same permanent address as you.

Pays Benefits for Accidental Death and Serious Injuries

Because accidental deaths and disabling injuries result in special needs and high medical bills, the AIA Trust Group Plan provides you with valuable benefits to cover these expenses. You or your loved ones will collect the following benefits based on your loss:

Covered Loss

% of Principal Sum

loss of life	100%
loss of two limbs	100%
loss of movement of both upper and lower limbs (quadriplegia)	100%
loss of sight of both eyes	100%
loss of both speech and hearing	100%
loss of one limb and the sight of one eye	100%
loss of movement of both lower limbs (paraplegia)	75%
loss of one limb	50%
loss of movement of both upper and lower limbs of one side of the body (hemiplegia)	50%
loss of sight of one eye, speech or hearing	50%
loss of thumb and index finger of same hand	25%

The total benefit payable for all losses due to a single accident will not be more than the Principal Sum. The plan pays any of the above sums if an injury results in any covered losses within 365 days after the accident.
Loss of sight, speech or hearing means total and permanent loss. Loss of movement of limbs means complete and irreversible paralysis of such limbs. Loss of limb means severance through or above the wrist or ankle joint. Loss of thumb and index finger means severance through or above the joint closest to the wrist (the metacarpophalangeal joints).

Easy to Apply Simply download, complete, sign and return the application. Send no money now.

30-Day FREE Look When you receive your Certificate of Insurance, read it carefully. If you’re not completely satisfied with the terms of your new insurance plan, simply return your Certificate, without claim, within 30 days and any premium paid will be promptly refunded. No questions asked.

Questions? Call toll-free 1-866-768-1075

Effective Date: Coverage will be effective on the first of the month following receipt of your Application and first quarterly premium payment.

If dependent child coverage is not already in force on a premium-paying basis, coverage on a newborn will continue for 31 days from the date of birth. Coverage for such newborn will end unless a request to continue coverage is made in writing and payment of dependent child premiums is received by the end of that 31-day period. If dependent child coverage is already in force on a premium-paying basis, coverage on a newborn is effective on the date of birth and will continue, subject to the terms stated in the Termination section.

Automatic Beneficiary: Your spouse, your children or your estate will automatically be the beneficiary for your AIA Trust protection. However, you may change your beneficiary at any time by notifying the AIA Trust Insurance Plan Administrator in writing. You are the beneficiary for your dependent’s coverage.

Termination: You may maintain your AIA Trust Group Accidental Death & Dismemberment Insurance Plan as long as you remain an AIA member, pay your premium on time, and the Group Policy is not terminated by the Trustee, Policyholder or New York Life. Coverage for your dependents terminates when yours does, or for your spouse when he/she becomes an insured member or ceases to be your lawful spouse. Child coverage can continue as long as the child is eligible or until termination under age 19 (25 if fulltime student). Coverage for any insured will terminate when active duty in the armed forces begins.

Exclusions: The AIA Group AD&D Plan does not cover the following:

1. A loss due or related to suicide, attempted suicide, or intentionally self-inflicted injury while sane or insane.
2. A loss that occurs during or is due or related to engagement in War or any act of war or an armed conflict which involves the armed forces of one or more countries, whether declared or undeclared.
3. A loss that occurs during, or is due or related to the covered person’s duty in the military, naval or air service of any country.
4. A loss due or related to disease or bodily infirmity of mind or body; medical or surgical treatment of such disease or bodily infirmity; or bacterial infections, except infections which occur as the result of an: accidental cut or wound; or accidental ingestion of contaminated material.
5. A loss due or related to pregnancy, including resulting childbirth or complication thereof.
6. A loss due or related to operating, riding in or descending from any aircraft while in flight, except when riding as a passenger on a licensed, commercial, or non-military aircraft.

Questions? Call toll-free 1-866-768-1075

The AIA Trust incurs certain administrative expenses in connection with this sponsored program to provide and maintain this valuable membership benefit. It is reimbursed for such expenses. This information is only a brief description of Group Policy terms, conditions, and limitations. Complete provisions are found in the Group Policy issued to the Trustee under Trust Agreement with the AIA Trust.

Endorsed by:

Administered by:
AGIA Insurance Services, Inc.
P.O. Box 22859
Santa Barbara, CA 93121

A.G.I.A., Inc., is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is California. John Wigle California Agent license number is 0482924.

The Group Accidental Death and Dismemberment Plan is underwritten by:
New York Life Insurance Company
51 Madison Avenue, New York, NY 10010
under Group Policy G-29059-3 on
Policy Form GMR-FACE/ G-29059-3

New York Life is licensed/authorized to transact business in all the 50 states, and the District of Columbia.

Please note that this plan is not available in all states.

New York Life Insurance Company’s state of domicile is New York and their NAIC ID # is 55915.