Page 6 - MWFB Benefit Guide 1

Excess Disability HealthAssist - Gap Policy

Agents Only Agents and Staff

Guarantee Issue during enrollment period after reaching $150,000 in 1099 income Guarantee Issue for Newly Hired Agents and Staff

1 of every 21 people will have a disabling accident. Supplement your high-deductible health plan with a low-cost solution that fills the voids
in health insurance policies, providing peace of mind.

Excess Disability Insurance pays a one-time lump sum benefit up to $1 million, following 12 months of a career HealthAssist provides supplemental insurance to fill the gaps left with today’s higher deductible health plans.
ending accident or illness that forces you to stop working. These monies can be used how ever you choose This policy focuses on the unexpected by offering outpatient accident, hospitalization and critical illness
and there is no offset with any other disability insurance you may have. coverage. Pick the plan that matches your deductible or out-of-pocket maximum.

Available to agents under 60 Excess disability allows you to Rates are guaranteed for This is a stand alone policy and Each benefit category has its This is an inexpensive way to
who are enrolled in our group payoff outstanding debt if you are 5-years then guaranteed does not integrate with your own annual maximum, it is not turn your high deductible
LTD insurance, with gross 1099 deemed total disabled or use the renewable for another 5-years. existing health plan. an aggregated benefit amount. health plan into more
earnings of $150,000 or greater. funds as a wealth building tool. comprehensive coverage.

HealthAssist Medical Plans

BASIC PLUS MAX
Definition of Disability Own Occupation Outpatient Accident Coverage

Deductible per Accident $0 $0 $0
Earnings Loss Requirement Total Disability Paid at 100% 100% 100%

Per Year up to a maximum of $2,500 $5,000 $10,000

Benefit Amount $250K, $500K, $750K, or up to $1 Million Inpatient Benefit
Day 1 cash benefit $500 per day x 1 day $1,000 per day x 1 day $1,000 per day x 1 day
Day 2+ cash benefit per day $500 per day x 4 days $800 per day x 5 days $1,000 per day x 9 days
Maximum Benefit Amount One Time Lump Sum Payment
Total of all potential inpatient benefits $2,500 $5,000 $10,000

Elimination Period 1 Year Critical Illness Benefit
Cash Payment for 10 conditions:
Cancer, Renal Failure, Heart Attack, $2,500 $5,000 $10,000
EXCESS DISABILITY
Pre-Existing Condition Stroke, Major Organ Transplant,
Limitation 12 months prior / 12 months after Multiple Sclerosis, Coronary Artery
Bypass Surgery, Alzheimer’s,
Mental & Nervous Limitation Terminal Illness HEALTHASSIST - GAP POLICY
Drug & Alcohol Limitation See Policy exclusions
Total of all potential critical illness benefits $2,500 $5,000 $10,000

Maximum Benefit Duration One Time Payment Accidental Death & Dismemberment Benefit

Total AD&D Benefit $5,000/2,000/1,000 $10,000/5,000/1,000 $15,000/5,000/1,000
Conversion Fully Portable
Does not offset with any other Critical Illness, Cancer, or Accident plan.

5 Excess Disability 5 10 HealthAssist