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Global Mission Basic Insurance
Long term major medical for missionaries
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WORLDWIDE COVERAGE FOR MISSIONARIES
Medical insurance for missionaries requires provisions not met by many companies. The typical missionary and his/her family will travel for a period of one to four years and return home for furlough, deputation, or educational continuation,
then return to the mission field. Global Mission Basic was designed specifically for these unique travelers.
Global Mission Basic provides US$5,000,000 of affordable lifetime coverage with a full range of benefits suited for individuals and families. The plan offers two options for the career or long-term missionary: continuous worldwide coverage while overseas and back in the U.S. while on furlough or deputation, or worldwide coverage excluding the U.S. and Canada. Both options provide coverage 24 hours a day and you have the freedom to choose any doctor or hospital for treatment.
When you select Global Mission Basic you receive IMG's commitment to deliver world class health benefits, medical assistance, and total peace of mind. Whether it be for routine treatment or during a medical emergency, you can rest assured that IMG will be there for you.
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COVERAGE WITHOUT BOUNDARIES®
International Medical Group®, Inc. (IMG®) is a worldwide leader in designing, distributing and administering global healthcare benefits. Since 1990, IMG has built a solid reputation by providing medical security to hundreds of thousands of individuals and families in more than 150 countries.
IMG presents a unique, full-service approach to the international community. IMG's staff includes claims administrators who process thousands of claims each year from throughout the world, handling virtually every language and currency; multilingual customer service representatives who ease the burden of communicating in a second language; and on-site medical advisors who are available 24 hours a day, seven days a week for emergencies, medical evacuations and precertification.
Worldwide coverage, multilingual capabilities, international claims specialists and access to IMG from anywhere at anytime –all designed to give you true Coverage Without Boundaries and the confidence you deserve when choosing an international insurance administrator.
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When deciding which company will insure your health, there are many important factors to consider. In addition to comprehensive benefits and experienced administration,
there must be the commitment and financial stability of an established international insurance company.
While IMG provides complete plan administration expertise, IMG's globally recognized underwriter, Sirius International Insurance Corporation (publ), offers the financial security and reputation demanded by international consumers. Rated A (excellent) by A.M. Best and A- by Standard & Poor's*, Sirius International shares IMG's vision of the international marketplace and offers the stability of a well-established insurance company. Sirius International is a White Mountains Re company.
Growing year by year, expanding globally, building upon a solid reputation, remaining stable but never standing still - these characteristics make IMG and Sirius International the team to choose for your Global Peace of Mind®.
*Sources: A.M. Best affirmed their rating in a press release dated July 11, 2005; Standard & Poor's affirmed their rating in a press release dated November 19, 2004. Ratings are accurate at the time of printing and are subject to change.
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Global Mission Basic® (GMB) covers the Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment. Each insured person will only need to satisfy their deductible once per period of coverage (12 months), with a maximum of three deductibles per family. For eligible expenses incurred in the U.S. and Canada (if applicable): once the deductible is met, GMB pays 80% of the next US$5000 in eligible expenses, then 100% of eligible expenses up to the policy maximum. For eligible expenses incurred outside of the U.S. and Canada: once the deductible is met, GMB will pay 100% of eligible expenses up to the policy maximum.
MEDICAL INSURANCE
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BENEFIT
Subject to deductible and
coinsurance
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| Coverage area |
Two options: Worldwide or worldwide excluding the U.S. and Canada
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| Policy maximum per individual |
US$5,000,000 lifetime maximum benefit
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| Hospital room & board |
US$600 per day
(maximum of 240 consecutive days per covered event)
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| Intensive care unit |
US$1,500 per day
(maximum of 180 consecutive days per covered event)
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| Inpatient or outpatient surgery |
URC up to lifetime maximum benefit
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| Anesthetist's charges associated with surgery |
20% of the surgery benefit payable
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| Laboratory tests, X-rays, & other treatment associated with an inpatient covered event |
URC up to lifetime maximum benefit
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| Emergency medical evacuation |
US$50,000 per coverage period (not subject to deductible or coinsurance)
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| Local ground ambulance |
US$1,500 per covered event (not subject to deductible or coinsurance)
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| Emergency room treatment due to an accident |
URC up to lifetime maximum benefit
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| Emergency dental due to an accident |
US$1,000 per coverage period
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Well child care
Only available after 12 months of continuous coverage
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3 visits per coverage period (maximum limit of $70 per visit)
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Outpatient visits or exams
25 visits, including prenatal and postnatal care, per insured person per
coverage period reimbursed to the maximum limit as outlined below:
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| • Physician |
US$70 per visit/exam |
| • Specialist |
US$70 per visit/exam |
| • Psychiatrist |
US$60 per visit/exam |
| • Chiropractor |
US$50 per visit/exam |
| • Surgical intervention consultation |
US$500 per visit/exam |
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Outpatient X-rays
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US$250 per exam maximum limit
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Outpatient lab tests
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US$300 per exam maximum limit
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Pre-existing Conditions
Only available after 24 months of continuous coverage
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US$50,000 lifetime maximum benefit
(maximum of US$5,000 per period of coverage)
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Prescription medication related to a covered event
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URC up to lifetime maximum benefit
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Extended care facility services
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Limited to the first 30 days of convalescent confinement
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Home nursing care services
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Limited to 30 days per covered event
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Inpatient hospice care
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Limited to the first 30 days of hospice confinement
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Chemotherapy & radiation therapy
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URC up to lifetime maximum benefit
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Physical therapy
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30 visits per coverage period (maximum limit of $40 per visit)
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MRI, CAT scan, endoscopy, echocardiography, gastroscopy,
colonoscopy & cystoscopy
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US$600 per exam limit
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Transplants
Certain precertification provisions must be met
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US$250,000 all inclusive per transplant
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Return of mortal remains
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US$25,000 lifetime maximum (not subject to deductible or coinsurance)
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Benefits include:
• Pre- and post-natal care
• Maximum of US$5,000 for normal delivery for each pregnancy
• Maximum of US$7,500 for C-section delivery for each pregnancy
• Well baby care and treatment of newborn for first 31 days
• Child wellness benefits of up to US$200 maximum per period of coverage (not subject to deductible or coinsurance) for eligible newborn children for the first 12 months
Benefits available after 10 months of continuous coverage
• Eligible newborn children may be added without evidence of insurability as long as an application form is submitted within 31 days of birth
• Benefits will be reduced by 50% for births that occur in the 11th or 12th month of continuous coverage
• See the application form for the cost of this optional rider
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The foregoing list is only a summary of available benefits and coverages,
and is subject to the specific terms and conditions of the plan concerning
eligible benefits, limitations, eligibility and exclusions. Please refer to the
certificate wording for a complete description, which is available upon
request.
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GLOBAL TERM LIFE INSURANCESM INCLUDING AD&D
While Global Mission Basic is designed to protect individuals and families from the high cost of medical expenses, Global Term Life Insurance provides protection for families following a traumatic loss. Global Term Life Insurance also includes Accidental Death and Dismemberment (AD&D) coverage at no additional cost. AD&D is paid in addition to any amount paid by Global Term Life Insurance and can double the amount of the benefit.
ELIGIBILITY AND COVERAGE
Those approved for Global Mission Basic and under age 70 are automatically eligible for Global Term Life Insurance at the time of application. Global Term Life Insurance is an optional program purchased in units. The number of units applicants may purchase is based upon their age at time of application and each subsequent renewal. Applicants from age 31 days through 18 years and from 65 through age 69 are eligible for one unit of coverage. Applicants from age 19 through age 64 are eligible for two units of coverage.
GLOBAL TERM LIFE INSURANCE
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AGE
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PRINCIPAL SUM* per unit
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AGE
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PRINCIPAL SUM* per unit
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31days-18
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US$5,000
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50-54
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US$20,000
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19-29
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US$75,000
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55-59
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US$15,000
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30-39
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US$50,000
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60-64
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US$10,000
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40-44
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US$35,000
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65-69
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US$7,500
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45-49
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US$25,000
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ACCIDENTAL DEATH & DISMEMBERMENT
(INCLUDED WITH GLOBAL TERM LIFE INSURANCE)
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BENEFIT
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Accidental Loss of Life
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Principal Sum*
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Accidental Loss of Two Members**
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Principal Sum*
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Accidental Loss of One Member**
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50% of Principal Sum*
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* Benefit based on age at time of death
** "Member" means hand, foot or eye.
GLOBAL DAILY INDEMNITYSM
Insuring your life and health reduces the burden of unforeseen financial liabilities due to an illness or accident. Unfortunately, obligations and bills continue even during a hospital stay. The Global Daily Indemnity plan is an excellent way to offset these expenses. Global Daily Indemnity will pay directly to you US$100 for each required overnight stay in a hospital. The hospital stay must be eligible for coverage under your Global Mission Basic plan. Hospital stays related to maternity are not eligible.
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GLOBAL DAILY INDEMNITY
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PRINCIPAL SUM
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Available only between ages 19-69 with Global Mission Basic
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US$100 per day
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During a medical emergency, access to qualified treatment is an immediate concern. For these situations, Global Mission Basic includes Emergency Medical Evacuation coverage up to US$50,000 per coverage period. This coverage is available when there is not a qualified facility in the immediate area to treat your life threatening illness or injury. Global Mission Basic also covers expenses for repatriation of bodily remains or ashes to the insured's country of citizenship up to a maximum of US$25,000 for death resulting from a covered injury or illness.
HOW THE EVACUATION PROCESS WORKS
Emergency Medical Evacuation benefits under the plan provide access to care when
you or your family need it most. During the emergency, IMG will coordinate evacuation to a qualified facility equipped to handle your illness or injury. A team of independent pilots and medical professionals transport you and a family member, while arrangements for your arrival are being made with the receiving hospital. Once at the receiving hospital, IMG will continue to monitor your treatment and communicate with physicians and family members.
To be eligible, the evacuation must be recommended by the attending physician in life-threatening situations, and approved in advance and coordinated by IMG. IMG is available 24 hours a day, 7 days a week to arrange emergency medical evacuations.
IMG has around-the-clock medical staff available to approve, certify and coordinate medical evacuations.
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After coverage has been in effect for 24 continuous months, Global Mission Basic provides a US$50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of US$5,000 per period of coverage. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period. This is important since few pre-existing conditions remain free from ongoing consultation or treatment, and often do not qualify for coverage in standard plans. Global Mission Basic does not "rider" or charge additional premium for preexisting conditions. If you properly disclose a pre-existing condition at the time of application, and are accepted into the plan, you will be covered for eligible medical expenses after 24 months of continuous coverage, subject to the foregoing limits and the other terms of the plan.*
The following illnesses which exist, manifest themselves or are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions under the plan, and are subject to the waiting period and other limitations of coverage described above: asthma, allergies, tonsillectomy, back conditions, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones, any condition of the breast, and any condition of the prostate.
OTHER EXCLUSIONS & LIMITATIONS*
- Maternity and newborn care (unless the maternity rider is
purchased - see details under the Benefits section of this brochure)
- Inpatient mental and nervous
- Routine physical exams
- Dental treatment unless accident related
- Organized amateur or professional sports
- Treatment not ordered or received by a physician
- Treatment or supplies not medically necessary
- Investigational, experimental or research procedures
- Custodial care
- Weight modification
- Elective cosmetic or plastic surgery
- Treatment of impotency
- Contraceptive medication or treatment
- Drug and alcohol abuse treatment
- Organ transplants not specifically listed
- Devices to correct sight or hearing
- Routine foot care
- Treatment by a relative or family member
- Treatment as a result of war or riot
- Treatment resulting from illegal activities
- Speech therapy
- Persons HIV+ at effective date
- Services and treatment eligible for payment by any government or other insurance
*See certificate wording for a definition of pre-existing conditions and a complete list of exclusions and limitations, and for all other specific terms and conditions of the plan. Certificate wording is available upon request.
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Global Mission Basic is available to individuals and families of all nationalities. U.S. citizens must reside abroad or plan to leave the U.S. on their effective date and plan to reside abroad for at
least six of the next 12 months. Non-U.S. citizens may reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply to non-U.S. citizens residing in the United States. Persons between the ages of 14 days and 74 years old may apply for coverage. Persons older than 74 years of age are not eligible. Certain other restrictions may also apply.
Families applying for Global Mission Basic will receive free coverage for the first two eligible dependent children between the ages of 14 days to 9 years when both parents are insured under the Global Mission Basic plan. Children under the age of 19
applying individually should use the male 19-24 age bracket when applying for coverage. Each person requesting coverage must complete the information required in the application.
RENEWAL OF COVERAGE
Subject to the terms of the plan, Global Mission Basic is annually renewable and coverage is continuous when renewed. Prior to the end of each period of coverage (12 months) you will receive a renewal form. You must continue to meet the eligibility requirements outlined above in order to renew. There are no additional medical questions at renewal. Please select your deductible carefully, as you will be unable to select a lower deductible when you renew your coverage. Note: If you have reached part of your deductible during the last 30 days of your certificate year, IMG will carry over that portion you have met of your deductible to the next certificate year.
If you are a citizen of the U.S. and return to the U.S. for a scheduled furlough or deputation, it is possible to renew this policy. The intent to return directly to overseas service within 12 months must always be maintained. At renewal, you must advise IMG of your scheduled furlough dates and anticipated return overseas. If you have completed or resigned from service, you may continue coverage through the remainder of your policy period, at which time the insurance will terminate on the renewal date.
LIFETIME COVERAGE
Lifetime medical coverage is available if you are enrolled in the Global Mission Basic plan by your 65th birthday and maintain continuous coverage to age 75. Prior to your 75th birthday you will receive a summary of benefits of a new plan, Global Senior Plan®, and an enrollment form for coverage. There is no additional medical underwriting. You simply need to review the benefits, and complete and return the enrollment form with your premium.
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IMG provides an on-line
International Provider Access database that can be used to locate health care providers outside the U.S. as needed.
( Note: Use of this service is subject to
the terms and conditions specified on-line. These terms must be agreed to prior to using the service.)
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ACCESSING THE PPO
You may seek treatment under Global Mission Basic with the hospital or doctor of your choice. If you choose the worldwide option and you need to seek treatment in the U.S, you may use the independent Preferred Provider Organization (PPO), a separately-organized network of approximately 500,000 physicians and 4,700 privately owned and operated hospitals contracted by IMG.* This PPO network includes approximately 67% of all the hospitals in the U.S., including some of the most well-recognized university medical centers and transplant facilities.
Using this provider network could significantly reduce your out-of-pocket expenses. Your deductible will be reduced by 50%, and any coinsurance applicable to that charge is waived, when eligible treatment is received from a network provider. When a U.S. hospital outside the network is used, a co-payment of US$250 is required in addition to the regular deductible and coinsurance. This co-payment is waived, however, if there is not a network provider within 50 miles of the location of treatment.
You may access the PPO directory by requesting that a copy be sent to you or you may visit Network providers are listed by location and specialty.
*All PPO providers are contracted separately through First Health Group Corp.
PRECERTIFICATION/VERIFICATION OF BENEFITS
Prior to receiving treatment you may need to contact IMG to precertify your treatment and/or for verification of benefits. Precertification means calling IMG's Utilization Management and Review department to receive a determination of medical necessity for the proposed treatment or services. It is important to note that precertification is only a determination of medical necessity, not an assurance of coverage, verification of benefits or a guarantee of payment. Precertification may be undertaken by you, the doctor, a hospital administrator or a relative. The following treatments and services must be precertified or certain reductions in benefits may result:
- Any surgery or treatment requiring hospitalization
- Outpatient surgery
- CAT scans, MRIs
- Within 48 hours after an emergency admission to the hospital
- Care in an extended care facility
- Home nursing care
- Durable medical equipment including artificial limbs
- Transplants
Verification of benefits
is the process of verifying your general coverage and the available benefits under the plan. You may do this by contacting IMG's Customer Care department whether or not your treatment or services require precertification. Verification of benefits is not a guarantee of payment or assurance of coverage, and all medical expenses must meet eligible payment guidelines in accordance with the terms and conditions of the plan. While precertification and verification of benefits are separate determinations, both are made in reliance on the completeness and accuracy of the information provided by you and your healthcare providers to IMG.
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CLAIMS PROCEDURE
When you receive treatment, original itemized bills must be received by IMG within 90 days of services. As a courtesy, claims may be paid in selected alternate currencies by electronic bank wire. Please see the Claim Form for more information and conditions of this service.
CLAIM FILING ALTERNATIVES
DIRECT PAYMENT TO PROVIDERS -
In many cases
IMG works with the hospital or clinic as an accommodation, including those outside the independent PPO, for direct payment of eligible medical expenses on your behalf. To be eligible to have a claim paid in this fashion, you or the provider must complete a Claim Form and submit it with original itemized bills. In this case, you will be responsible for direct payment of your deductible, coinsurance amounts and non-eligible expenses and charges.
REIMBURSEMENT - If you have received treatment and need to be reimbursed for out-of-pocket medical expenses, complete the Claim Form and submit your original itemized bills and paid receipts within 90 days. We will reimburse your eligible medical expenses after applying the deductible and coinsurance, subject to the terms of the plan.
Please remember to submit your bills and receipts as soon as you receive them. Do not hold them until the end of the year. IMG will apply eligible medical expenses to your deductible and coinsurance throughout the year.
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To apply for IMG's Global Mission Basic ® plan, you can either
apply online or you can make
paper application.
You can make the family application for yourself, your spouse and dependents.
If you are 19 years of age or older, you must complete your own application. You must complete all questions outlined in the application in order to be considered for coverage. An attending physician statement may be required depending upon your answers to the medical conditions, and IMG reserves the right to request additional medical information.
When we receive your completed application with premium, we will process it as quickly as possible. Once accepted, you will be mailed a fulfillment kit which
includes an identification card, declaration of insurance and a certificate of insurance (containing a complete description of benefits, exclusions and terms of the plan), claim filing information, and claim forms.You are required to notify IMG, as required by the terms of the plan, if you or any family member suffers or is treated for any illness, injury or other medical condition between the time of your application and the issuance of the certificate. If your application is not accepted, you will receive a full refund of premium.
Once you are accepted in the plan, IMG is confident that you will be pleased with the full terms of coverage. To ensure your satisfaction, IMG provides a 15 day period to review the fulfillment kit contents. If, during that 15 day period, you find that you are not happy with the plan for any reason, you may submit a written request for cancellation and full refund of your premium. See Certificate of Insurance for full details.
Cancellation requests received after this 15 day period will be granted at the sole discretion of IMG as the plan administrator. Any refund you may receive will be based on an established refund schedule, not a pro-rated basis. See the Certificate of Insurance for full details.
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Please refer to the certificate wording for specific terms, conditions and other details regarding the benefits, limitations, eligibility and exclusions outlined in this brochure. Certificate wording is available upon request prior to purchase.
The summary description of coverages, benefits and eligibility in this brochure is accurate at the date of printing, subject to the terms of the plan. Any updates or changes made subsequent to printing will be included in the fulfillment kit sent upon approval of your application, and/or from time to time thereafter.
IMG, International Medical Group, the IMG block design logo, imglobal, Global Mission Basic, Global Term Life Insurance, Global Daily Indemnity, Global Senior Plan, Outreach, MP+International, Coverage Without Boundaries, and Global Peace of Mind are the trademarks, service marks and/or registered marks of International Medical Group, Inc.
Sirius, Sirius International, and the Sirius design logo are the trademarks, service marks and/or registered marks of Sirius International Insurance Corporation (publ).
Global Mission Basic is a surplus lines product underwritten by Sirius International Insurance Corporation (publ) (the "Company")
Distributed, managed and administered, as agent for and on behalf of the Company,
by International Medical Group®, Inc. ("IMG®")
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UNDERWRITTEN BY: Sirius International Insurance Corporation
Global MISSION BASIC® New Business
Rates
Annual Premiums
New Business Rates through 31-DEC-2008 (Includes 2.5% surplus lines tax where applicable)
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Deductibles
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US$250
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US$500
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US$1,000
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US$2,500
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US$5,000
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US$10,000 |
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| Age |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
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| 14 Days-9** |
First 2 Free*, Then 310 |
First 2 Free*, Then 270 |
First 2 Free*, Then 210 |
First 2 Free*, Then 184 |
First 2 Free*, Then 169 |
First 2 Free*, Then 150 |
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| 10-18** |
317 |
317 |
282 |
282 |
233 |
233 |
217 |
217 |
204 |
204 |
180 |
180 |
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* The first two Dependent Children between the ages of 14 days to 9
years are free only when both parents or guardians are insured under
the Global Medical Insurance® plan. **Dependent child rates are only
available when at least one parent or guardian is insured under the
Global Mission Basic Medical Insurance® plan. Children applying with no parent or
guardian insured by Global Mission Basic Medical Insurance® must use the Male 19-24
rates.
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| 19-24 |
718 |
895 |
622 |
881 |
484 |
675 |
422 |
588 |
331 |
473 |
294 |
407 |
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| 25-29 |
758 |
1,020 |
662 |
991 |
515 |
764 |
449 |
663 |
352 |
551 |
313 |
433 |
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| 30-34 |
848 |
1,128 |
730 |
1,063 |
566 |
823 |
496 |
718 |
389 |
576 |
345 |
490 |
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| 35-39 |
950 |
1,333 |
770 |
1,182 |
596 |
918 |
522 |
793 |
408 |
661 |
364 |
516 |
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| 40-44 |
1,202 |
1,463 |
976 |
1,273 |
647 |
997 |
567 |
873 |
542 |
676 |
482 |
602 |
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| 45-49 |
1,339 |
1,614 |
1,098 |
1,373 |
850 |
1,062 |
741 |
925 |
605 |
730 |
538 |
650 |
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| 50-54 |
1,635 |
1,796 |
1,386 |
1,548 |
1,071 |
1,201 |
935 |
1,068 |
794 |
886 |
706 |
789 |
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| 55-59 |
1,976 |
1,976 |
1,718 |
1,718 |
1,330 |
1,328 |
1,159 |
1,159 |
976 |
984 |
868 |
876 |
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| 60-64 |
2,909 |
2,738 |
2,651 |
2,480 |
2,235 |
1,973 |
2,024 |
1,816 |
1,691 |
1,502 |
1,505 |
1,337 |
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| 65-69 |
6,075 |
5,271 |
5,814 |
5,041 |
5,439 |
4,591 |
4,181 |
3,412 |
3,656 |
3,274 |
3,254 |
2,914 |
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| 70 - 74 |
Please click on the 'Instant Quotes & Purchase' link at the top of the web page
for premium information concerning this age bracket
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Rates expire on 31-DEC-2008 |
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Optional Maternity Rider $2,500 annual premium
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New Business Rates through 31-DEC-2008 (Includes 2.5% surplus lines tax where applicable)
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Deductibles
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US$250 |
US$500
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US$1,000
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US$2,500
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US$5,000
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US$10,000
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| Age |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
M |
F |
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| 14 Days-9** |
First 2 Free*, Then 232 |
First 2 Free*, Then 203 |
First 2 Free*, Then 158 |
First 2 Free*, Then 138 |
First 2 Free*, Then 127 |
First 2 Free*, Then 112 |
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| 10-18** |
238 |
238 |
212 |
212 |
175 |
175 |
163 |
163 |
153 |
153 |
134 |
134 |
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* The first two Dependent Children between the ages of 14 days to 9
years are free only when both parents or guardians are insured under
the Global Medical Insurance® plan. **Dependent child rates are only
available when at least one parent or guardian is insured under the
Global Mission Basic Medical Insurance® plan. Children applying with no parent or
guardian insured by Global Mission Basic Medical Insurance® must use the Male 19-24
rates.
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| 19-24 |
539 |
671 |
466 |
660 |
363 |
506 |
317 |
441 |
248 |
355 |
221 |
306 |
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| 25-29 |
569 |
766 |
497 |
744 |
385 |
572 |
336 |
498 |
264 |
413 |
234 |
326 |
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| 30-34 |
636 |
846 |
548 |
798 |
424 |
618 |
372 |
538 |
291 |
432 |
259 |
369 |
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| 35-39 |
714 |
1,000 |
578 |
888 |
447 |
689 |
392 |
595 |
307 |
496 |
273 |
387 |
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| 40-44 |
901 |
1,098 |
731 |
955 |
486 |
748 |
425 |
655 |
407 |
510 |
362 |
451 |
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| 45-49 |
1,004 |
1,211 |
823 |
1,030 |
638 |
797 |
556 |
694 |
453 |
548 |
404 |
487 |
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| 50-54 |
1,226 |
1,347 |
1,040 |
1,161 |
803 |
901 |
702 |
801 |
595 |
665 |
530 |
592 |
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| 55-59 |
1,482 |
1,482 |
1,288 |
1,288 |
997 |
996 |
869 |
869 |
731 |
738 |
651 |
657 |
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| 60-64 |
2,182 |
2,054 |
1,988 |
1,860 |
1,676 |
1,480 |
1,518 |
1,363 |
1,268 |
1,127 |
1,129 |
1,003 |
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| 65-69 |
4,556 |
3,953 |
4,361 |
3,781 |
4,080 |
3,443 |
3,136 |
2,559 |
2,742 |
2,456 |
2,441 |
2,185 |
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| 70 - 74 |
Please click on the 'Instant Quotes & Purchase' link at the top of the web page
for premium information concerning this age bracket
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Rates expire on 31-DEC-2008 |
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Optional Maternity Rider $2,500 annual premium
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*** For semi-annual, quarterly, and monthly modes, IMG will only accept valid Visa, MasterCard,
American Express, Discover or JCB credit cards on a
pre-authorized basis prior to the expiration date. Your
credit card will be debited automatically on the due
date(s) of your future premium installment(s).
Note: Choosing the semi-annual payment option
(modal payment factor .55) results in total payments
of 110% of the annual premium, choosing the quarterly payment option (modal payment factor
.28) results in total payments of 112% of the
annual premium, and choosing the monthly payment
option (modal payment factor .10) results in
total payments of 120% of the annual premium.
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