1. SAFEGUARD ACCIDENT INSURANCE

2. Underwritten by Federal Insurance Company,
a Chubb Company
Do Not Distribute
For Training Purposes Only

3. Plan Highlights
OPTIONAL INSURANCE BENEFITS
Accident Medical Expense Benefits: $500, $1,000, $3,000, $5,000, $10,000, $15,000, or $20,000
Accidental Death and Dismemberment Benefit: $1,000
Coverage Type: Individual or Family
Waiting Period: None
Issue Ages: 18-64
Not for distribution. For Licensed Agent training purposes only.

4. Plan Highlights Accidental Death & Dismemberment Benefit
Pays a lump sum benefit for death, dismemberment, or loss of sight, speech or hearing caused by a covered accident.
Accident Medical Expense Benefit
Provides coverage for medical expenses incurred as a result of a covered accident. Benefits are excess of other coverage an insured may have for the same expenses. Benefits are also subject to a deductible and certain expenses are subject to specified limits.
Not for distribution. For Licensed Agent training purposes only.

5. Accidental Death and Dismemberment
Plan Benefits
Plan 1
Plan 2
Plan 3
Plan 4
Plan 5
Plan 6
Plan 7
**Accident Medical Expense Benefits
$500
$1,000
$3,000
$5,000
$10,000
$15,000
$20,000
Maximum per Accident
Deductible
$100
$250
Initial Treatment Period
90 Days
Benefit Period
52 Weeks
Accidental Death and Dismemberment
Accidental Death and Dismemberment, Loss of Sight, Speech and Hearing Benefit
**This coverage may be primary or excess depending on your residence.

6. What isn’t covered
The following exclusions apply to all benefits or Hazards under this policy. Additional exclusions, limitations or conditions may also apply to specific benefits or Hazards. Please the entire policy carefully.
Aircraft Pilot or Crew
This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, the Insured Person entering, or exiting any aircraft while acting or training as a pilot or crew member.
This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life-threatening emergency.
Disease or Illness
This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, the Insured Person’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth, or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment or diagnosis thereof.
This exclusion does not apply to the Insured Person’s bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria.
Not for distribution. For Licensed Agent training purposes only.

7. What isn’t covered Illegal Acts
This insurance does not apply to any Accident, Accidental Bodily Injury, Loss or Loss of Property caused by or resulting from, directly or indirectly, the Insured Person’s commission or attempted commission of any illegal act including but not limited to any felony.
Intoxication Exclusion
This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, the Insured Person being intoxicated, at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such Accident occurs.
Narcotic Exclusion
This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly, the Insured Person being under the influence of any narcotic or other controlled substance at the time of an Accident. This exclusion does not apply if any narcotic or other controlled substance is taken and used as prescribed by a Physician.
Service in the Armed Forces
This insurance does not apply to any Accident, Accidental Bodily Injury, or Loss caused by or resulting from, directly or indirectly, the Insured Person participating in military action while in active military service with the armed forces of any country or established international authority. However, this exclusion does not apply to the first sixty (60) consecutive days of active military service with the armed forces of any country or established international authority.
Not for distribution. For Licensed Agent training purposes only.

8. What isn’t covered Suicide or Intentional Injury
This insurance does not apply to any Accident, Accidental Bodily Injury, Loss or Covered Loss caused by or resulting from, directly or indirectly, the Insured Person’s suicide, attempted suicide or intentionally self-inflicted injury.
Trade Sanctions
This insurance does not apply to any Accident, Accidental Bodily Injury, Loss, Covered Loss or Loss of Property when:
The United States of America has imposed any trade or economic sanctions prohibiting insurance of any Accident, Accidental Bodily Injury, Loss, Covered Loss or Loss of Property; or
There is any other legal prohibition against providing insurance for any Accident, Accidental Bodily Injury, Loss, Covered Loss or Loss of Property.
War
This insurance does not apply to any Accident, Accidental Bodily Injury, Loss, Covered Loss or Loss of Property caused by or resulting from, directly or indirectly, a declared or undeclared War.
Not for distribution. For Licensed Agent training purposes only.

9. State Availability This product is available in the following states:
*Excess Coverage: AL, AZ, AR, CO, CT, DC, DE, GA, HI, IL, IA, KY, LA, ME, MA, MS, NE, NV, NM, NC,
ND, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, WY.
*Primary Coverage: CA, FL, ID, IN, MN, MT, NJ, NY, OH, SD, VT.
*Excess Provision - The Maximum Benefit Amount for Accident Medical Expense is payable on an excess basis. We will determine the Reasonable and Customary Charge for the covered Medical Expense. We will then reduce that amount by amounts already paid or payable by any Other Plan. We will pay the resulting amount less the Deductible. In no event will We pay more than the Maximum Benefit Amount for Accident Medical Expense.
*Primary Provision -The Benefit Amount for Primary Accident Medical Expense is payable on a primary basis. We will determine the Reasonable and Customary
Charge for the covered Medical Expense. In no event will We pay more than the Benefit Amount for Primary Accident Medical Expense

10. The Med-Sense Guaranteed Association (MSGA), is a not-for-profit organization that provides memberships to individuals. Members enjoy access to a variety of health, travel, consumer discounts and business services.
Do Not Distribute
For Training Purposes Only

11. Med-Sense Guaranteed Association
You can count on MSGA to continuously and aggressively seek out new discounts to add further value to memberships in the association. Services and discounts you will enjoy as a member of the Topaz level, may include a collection of the following:
1800Flowers.com
Savers Book Club
UPS Express Delivery Services
Office Depot Office Supplies and Furniture
Hop The Shops
True Car Auto Buying Service
Vitamin Discount
GymAmerica.com
ID Resolutions Identity Theft Service
Sprint Cell Phone Service
LensCrafters Vision Club
24 Hour Nurse Helpline Plan
Gateway Medicard
Discount Hearing Service
Travel Assistance Benefits
Hewlett- Packard Computer and Digital Equipment
Not for distribution. For Licensed Agent training purposes only.

12. Get Even More It’s Smart It’s Easy
There are no fees or charges to enroll, and it never expires.
It’s Smart
Save an average of 46%*. You can use this card for the whole family, including pets.
It’s Easy
Save at more than 60,000 pharmacies nationwide, including Walmart, Target, Walgreens and more. Find participating pharmacies here.
ScripPal Disclaimer: DISCOUNT ONLY - NOT INSURANCE. Discounts are available exclusively through participating pharmacies and providers. The range of the discounts will vary depending on the type of provider and services rendered. This program does not make payments directly to providers. Members are required to pay for all health care services. You may cancel your registration at any time or file a complaint by contacting Customer Care. This program is administered by Medical Security Card Company, LLC of Tucson, AZ.** Based on 2013 national program savings data.

13. Start Selling
HOW TO GET STARTED
Become a licensed agent to sell Safeguard Accident Insurance.
“Just in time” appointments are available.
Begin quoting immediately.
Links are available in your Agent Portal.
Need to get appointed?
Contact Sales Support at and select option 3 to complete your appointment forms to start selling.
Sales verification:
All agents selling through HIIQ are required to use one of the following verification options.
1. Agent s the link to the client. Client self-enrolls on home computer; or
2. Agent completes a full voice verification using the approved carrier script, or
3. Client uses Ink.

14. Why your customers will buy
Provides financial peace of mind as customers are able to manage out-of-pocket costs, medial bills, copays, deductible, and more
Pays an immediate lump sum cash benefit for members or their designated family members/beneficiaries
Eliminates need to buy separate plans, as Safeguard Accident Insurance offers Accident Medical Expense and Accidental Death & Dismemberment
Not for distribution. For Licensed Agent training purposes only.

15. Why you should sell
Serves as a supplement with major medical or short-term medical insurance to earn extra commission
Offers an exclusive combination of Accident Medical Expense and Accidental Death & Dismemberment
Provides customized plans and coverage to fits every possible customer
Not for distribution. For Licensed Agent training purposes only.

16. Please contact Sales Support
Questions | Comments
Please contact Sales Support
select option 3 |
Do Not Distribute
For Training Purposes Only