International citizens face the constant challenge of finding cost effective, quality insurance programs that combine worldwide coverage with ease of availability. While Global Medical Insurance^sm is designed to protect individuals and families from the high cost of medical expenses, Global Term Life Insurance^sm provides protection for families following a traumatic loss.

In the event of accidental loss of life or dismemberment, Global Term Life Insurance^sm 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^sm and can double the amount of the benefit.

ELIGIBILITY AND COVERAGE

Those approved for Global Medical Insurance^sm and under age 70 are automatically eligible for Global Term Life Insurance^sm at the time of Application. Global Term Life Insurance^sm is an optional program purchased in units. The number of units an Applicant 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.

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^sm plan is an excellent way to offset these expenses. Global Daily Indemnity^sm will pay directly to you US$100 for each required overnight stay in a hospital. The hospital stay must be covered under your Global Medical Insurance^sm and hospital stays related to pregnancy are not eligible.