Page 8 - MWFB Benefit Guide 1

Life/Ad&d Telehealth

Agents and Staff Agents and Staff

Guarantee Issue for Newly Hired Agents and Staff Guarantee Issue anytime

The average cost of a funeral is $10,000. Our group policy with its guaranteed issue is an A family of 4 visits a doctor’s office, urgent care or hospital emergency room an
easy way to cover small outstanding debts like these. average of 11.2 times per year.

Our life plan helps protect your loved ones from financial burden in the event of your death. It can help with Telehealth provides unlimited physician consultations at no additional charge. Simply call or email and a
final expenses, pay off outstanding debt or provide an extra financial cushion to offset future costs. domestically domiciled, board certified physician will call you back to diagnose your symptoms, prescribe
medication, and send prescriptions to a pharmacy of your choice.

CONVENIENT: You can have
Guarantee Issue up to The policy term is your active Includes Free access to your doctor appointment from your EFFECTIVE: 70% of all reasons FAST: The average call back time
from a doctor is 11 minutes, 30%
people go to their primary care
$200,000, no medical duration as an agent. Premiums the Beneficiary Companion
physician, urgent care or
are returned in under 2 minutes all
questions, no underwriting, are age banded and change as Program-Visit our website at home, office, or on the go, emergency room can be safely calls are guaranteed to be returned
24/7/365 days a year.
everyone is accepted. you age into a new band. www.aafbcbenefits.com. diagnosed over the phone. in under three hours.
A family of 4 visits a doctor’s office, urgent care or hospital emergency department 11.2 times per year on average. Health-
iest You helps reduce health care costs by eliminating the need to visit a medical center in person. Just call and speak to a
doctor first 24/7.

Benefit Amount - Agent $25,000 to a maximum of lesser of 5x Income or $500,000 Cost for Doctor Visit Copays: $0.00 Coinsurance $0.00 Balance Bill: $0.00

Benefit Amount - Staff $25,000 to a maximum of lesser of 5 x Income or $200,000 Locations All fifty states, all you need is a phone or email access

Prescribe medications as necessary with the exception of drugs on DEA
Spouse Life Benefit Amount $50,000 (Agent must elect minimum of $100,000 for themselves) Prescriptions controlled substance list. Patients with chronic illnesses should visit their
PCP or other specialist for extended care.

Child Life Benefit Amount $10,000 (Agent must elect minimum of $40,000 for themselves) Second Opinions Easy and effective way to gather a second opinion
(age 14 days to 21 years; 25 if full time student)

Guarantee Issue Limit Lesser of $200,000 or 3x Salary for Agents; $50,000 spouse; $10,000 Medical Records Health records are maintained and can be emailed to your PCP upon request
Child(ren); Lesser of $100,000 or 3 x Income for Staff

Benefit Reduction Reduced to 65% at age 70 and 50% at age 75-coverage ceases at retirement; Geo Fencing Messaging sent to your phone when you enter a physicians office, ER or
Spouse coverage terminates when Agent attains age 70 or retires. Top 9 Reasons for ER Visits pharmacy reminding you that you have the telehealth benefit TELEHEALTH HEALTHIEST YOU

LIFE AND AD&D Waiver of Premium, Life To age 65, if disabled prior to age 60 and the disability lasts at least 9 Spouse and Dependent are Guarantee Issue for spouse and dependents with your enrollment in the plan
Accelerated Death Benefit
Allergies, bronchitis, earache, sore throat, pink eye, sinusitis, strep throat,
50% to $50,000
upper respiratory infections, urinary tract infections
Eligible
months

If you leave the company this policy may be ported into a group trust prod-
Portability
uct with similar term rates.

If you leave the company this policy may be converted to an individual
Conversion
whole life policy.

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Life and Ad&D 7 8 Telehealth-Healthiest You