Available only with a Core plan, Add-Ons enable you to customize your protection to your individual needs by increasing your coverage in certain areas you feel are necessary.

The 12 consecutive months following the Effective Date of the Policy and each 12-month period thereafter.

The amounts paid to a claimant or beneficiary under the coverage of a policy.

The 12-month period following the date a claim for a specific benefit is first incurred, and each 12-month period thereafter.

The 12-consecutive-month period that begins on January 1 and ends on December 31.

A request for benefit payment under the terms of an insurance policy.

The person(s) making a request for payment of benefits under the terms of an insurance policy.

Another term for the protection offered under an insurance policy. Coverage is used interchangeably with the terms insurance or protection.

Co-ordination of Benefits is a process designed to eliminate duplicate payments and determine the order for payment of benefits when there is coverage provided under another plan.

A statement, signed by the insured, warranting that the information given by him/her is true.