Bonus Product – General Information

System Indicator: AP

The Bonus product protects the insured person from loss of life due to an accident (includes a limited dismemberment component).

Eligible Insured and Spouse must be age 18 or older. Dependent children must be under age 19; or under age 25 if a full-time student at an institution of higher learning (ages may vary based on state; always consult the insurance coverage document for variations). There is no termination age and benefits do not reduce.

$1,000,000 Common Carrier coverage for death of primary insured due to a covered accident

Bonus Coverage Amounts

BENEFIT	COVERAGE AMOUNT
BENEFIT	PRIMARY INSURED	SPOUSE	DEP. CHILD
Common Carrier	$1,000,000	$100,000	$20,000
Private Passenger Automobile	$100,000	$50,000	$5,000
24-Hour AD&D	$50,000	$10,000	$5,000

Bonus Silver

The Bonus Silver product offers the same protection as the Bonus product, with an additional Day Care benefit.

DAY CARE BENEFIT

The Day Care benefit provides up to $5,000.00 per year for up to 4 years for children of a primary insured whose death is the result of a covered accident. A Day Care Benefit will be paid for each eligible dependent covered under the policy if a principal sum is payable under the AD&D benefit because of the insured’s death and such dependent is under age 14 at the time of death.

BONUS SILVER COVERAGE

BENEFIT	COVERAGE AMOUNT
BENEFIT	PRIMARY INSURED	SPOUSE	DEP. CHILD
Common Carrier	$1,000,000	$100,000	$20,000
Private Passenger Automobile	$100,000	$50,000	$5,000
24-Hour AD&D	$50,000	$10,000	$5,000
Day Care	$5,000	N/A	N/A

Bonus Gold

The Bonus Gold product offers the same protection as the Bonus product, with an additional Accident Hospital Income benefit.

ACCIDENT HOSPITAL INCOME BENEFIT

The Accident Hospital Income benefit provides a monthly benefit (up to $1,000.00 or $5,000.00 depending on plan) for a maximum of 12 months for each day of hospital confinement due to a covered accident. A monthly benefit or a portion thereof will be paid if the covered person is confined during one or more periods of hospital confinement if it is due to injury and the first day of confinement occurs within 90 days after the accident.

BONUS GOLD COVERAGE

BENEFIT	COVERAGE AMOUNT
BENEFIT	PRIMARY INSURED	SPOUSE	DEP. CHILD
Common Carrier	$1,000,000	$100,000	$20,000
Private Passenger Automobile	$100,000	$50,000	$5,000
24-Hour AD&D	$50,000	$10,000	$5,000
Accident Hospital Income	$5,000 monthly

Bonus Platinum

The Bonus Platinum product offers the same protection as the Bonus product, with two additional benefits: Accident Hospital Income and Outpatient Care Unit benefit.

ACCIDENT HOSPITAL INCOME BENEFIT

OUTPATIENT CARE UNIT

The Outpatient Care Unit benefit provides a benefit of $100.00 per accident if an insured person sustains an injury and requires and receives treatment as an outpatient in an outpatient unit (or emergency room) of a hospital within 72 hours of the covered accident.

BONUS PLATINUM COVERAGE

BENEFIT	COVERAGE AMOUNT
BENEFIT	PRIMARY INSURED	SPOUSE	DEP. CHILD
Common Carrier	$1,000,000	$100,000	$20,000
Private Passenger Automobile	$100,000	$50,000	$5,000
24-Hour AD&D	$50,000	$10,000	$5,000
Accident Hospital Income	$1,000 monthly
Outpatient Care Unit	$100 per accident

Bonus Economy

The Bonus Economy product offers the same protection as the Bonus product with reduced coverage amounts.

BONUS ECONOMY

BENEFIT	COVERAGE AMOUNT
BENEFIT	PRIMARY INSURED	SPOUSE	DEP. CHILD
Common Carrier	$50,000	$5,000	$1,000
Private Passenger Automobile	$100,000	$50,000	$5,000
24-Hour AD&D	$5,000	$1,000	$1,000

Bonus Product Exclusions

Some exclusions apply and are detailed in the Insurance Coverage Document.