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Our Accident product is great way to provide extra coverage and peace of mind for insureds and their dependents, and is often used to supplement life insurance policies. Commonly referred at as Accidental Death and Dismemberment (AD&D) insurance, Pan-American Accident policies are catered to the Policyholder’s specific needs. Covered activities insured against include: accidents, injuries or death as a result of business travel (24hr), amateur sports, injuries, one-time events, war risk, common carrier and day care services. Additional tailored benefits can also apply to provide appropriate protection to cover assorted injuries and various expenses.
ELIGIBLE CLASSES
• Employee/Employer Groups• Non-Profit, Civic, & Religious Organizations • Policyholder Approved Emergency Teams• Camp & Club Participants• Volunteer Fire Fighters• Amateur Sports
HAZARDS INSURED AGAINST
• Injuries 24-Hour / 365 Days A Year• Business Travel • Common Carrier • Aircraft and Helicopter Exposure • War Risk and Terrorism• Sponsored Activity
BENEFIT OPTIONSAccidental Death & Dismemberment $1,000 to $2,000,000
Accidental Dental $50 to $500
Accidental Total Disability $50 to $2,500 per week
Accidental Medical Benefit $1,000 to $250,000 (deductible required)
Emergency Medical Evacuation $1,000 to $250,000
…and more!
OUR UNDERWRITING TEAM WILL WORK WITH BROKERS TO DEVELOP:
• Cost effective quotes• Creative & flexible coverage terms• Consistent renewal offerings
PAN-AMERICAN LIFE INSURANCE GROUP333 South Street, Suite 400 • Shrewsbury, MA 01545 • 617.502.3000
Blanket Accident policies issued by Pan-American Life Insurance Company on form B-BTP ACC-13-P Coverage is not available in all states. Policies have exclusions, limitations, waiting periods and terms for keeping them in force.
palig.com/accident
SM-G-T-002REV11/14
BOARDOFDIRECTORS
VIP Coverage
COMMONCARRIER
Extra coverage for the extra service
FOR LOSSES WHICH OCCUR WHILE THE INSURED IS INVOLVED IN:
• A meeting of the Policyholder’s management committee or other similar duties; • A Trip taken at the Policyholder’s request; or• Any Trip to which the Insured received reimbursement from the Policyholder for expenses or services performed.
FOR LOSSES WHICH OCCUR WHILE THE INSURED IS:
• Riding as a fare-paying passenger in, or is struck by a regularly scheduled Common Carrier.
GUARANTEED BENEFITSAccidental Death and Dismemberment:
$25,000 to $2,000,000
Emergency Medical Evacuation Benefit:
$5,000 to $250,000
Seatbelt and Airbag Benefit
$5,000 total
GUARANTEED BENEFITSAccidental Death and Dismemberment:
$10,000 to $2,000,000
Emergency Medical Evacuation Benefit:
$5,000 to $250,000
Funeral Expense Benefit: $5,000
OPTIONAL BENEFITSAccident Medical Benefit:
$10,000 (deductible required)
Coma Benefit: $5,000 to $20,000
Funeral Expense Benefit:
$2,500
Accident Dental Benefit:
Up to $500
Repatriation Benefit: Up to $50,000
…and more!
OPTIONAL BENEFITSComa Benefit: $5,000 to $20,000
Critical Burn Benefit: $5,000 to $50,000
Rehabilitation Benefit: Up to $150,000
…and more!
ONE-TIMEEVENT
To ensure everyone’s day runs smoothly
DAYCARE/SCHOOLS
Coverage for those you hold most dear
FOR LOSSES WHICH OCCUR WHILE THE INSURED IS:
• Supervising or participating in an educational program sponsored by the Policyholder, or• Traveling with a group in connection with such program
FOR LOSSES WHICH OCCUR WHILE THE INSURED IS:
• On the premises assigned by the Policyholder (such as sales convention); or• Traveling in a group to or from any Covered Activity as shown in the Schedule of Benefits under the direct
supervision of the Policyholder.
GUARANTEED BENEFITSAccidental Death and Dismemberment:
$10,000 to $25,000
Emergency Medical Evacuation Benefit:
$5,000 to $25,000
Critical Burn Benefit: $5,000 to $20,000
Accident Medical Expense Benefit:
Up to $10,000 (deductible required)
GUARANTEED BENEFITSAccidental Death and Dismemberment:
$10,000 to $1,000,000
Emergency Medical Evacuation Benefit:
$5,000 to $250,000
Extended Felonious Assault Benefit:
Up to $5,000
OPTIONAL BENEFITSBroken Bones: $5,000
Accident Dental Benefit:
$50 to $500
…and more!
OPTIONAL BENEFITSComa Benefit: $5,000 to $20,000
Accident Dental Benefit:
$500
Funeral Expense Benefit:
Up to $5,000
…and more!
VOLUNTEERFIRE FIGHTERS
Extra coverage…for those who deserve it most
WARRISK
Covering those in high-risk situations
FOR LOSSES WHICH OCCUR WHILE:
• The Insured is on duty, on or off the Policyholder’s premises; or• Acting in the Line of Duty during a response to an emergency while off duty.
FOR LOSSES THAT OCCURS DURING WAR OR ACTS OF WAR THAT OCCUR IN:
• A described geographic area excluding the United States and its territories and possessions or Countries where trade or economic sanctions or regulations prohibit Pan-American Life Insurance Company from providing insurance, including, but not limited to, the payment of claims.
GUARANTEED BENEFITSAccidental Death and Dismemberment:
$10,000 to $250,000
Rehabilitation Benefit: 5% of Principal Sum
Critical Burn Benefit: $5,000 to $20,000
Emergency Medical Evacuation Benefit:
$5,000 to $250,000
Exposure and Disappearance Coverage included
GUARANTEED BENEFITSAccidental Death and Dismemberment:
$10,000 to $2,000,000
Emergency Medical Evacuation Benefit:
$5,000 to $250,000
Funeral Expense Benefit: $5,000
Repatriation Benefit: $10,000
OPTIONAL BENEFITSBroken Bones: $5,000
Coma Benefit: $5,000 to $20,000
Funeral Expense Benefit:
$2,500
Dependent and Spouse Education Benefits:
$2,500
…and more! Up to $50,000
OPTIONAL BENEFITSComa Benefit: $5,000 to $20,000
Critical Burn Benefit: $5,000 to $50,000
Rehabilitation Benefit: Up to $150,000
…and more!
