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LONG TERM CARE Description: The Independence Long Term Care Insurance Plan eliminates the guesswork by reimbursing you for covered expenses of all levels of care: Home Health Care, Assisted Living Facility, Nursing Home Care, Adult Day Care and Homemaker Companion Care. The Independence Long Term Care Insurance Plan - you simply choose your Maximum Lifetime Benefit Amount: $100,000, $200,000, $300,000, $400,000 or $500,000. The Independence Long Term Care Insurance Plan is priced state by state based on what providers charge for services, and the availability of services, in a particular state. Premium discount if spouse resides in the same household, regardless of whether or not theu apply for coverage. Eligibility: Exclusively designed for associations and their members, spouses, parents and parents-in-law, ages 40-79. The Independence Long Term Care Insurance Plan is fully insured by a solid, highly rated (AA+) insurance company. For further information, call 1-800-223-1481 or e-mail us. To send an e-mail request, be sure to include your name and mailing address. Click HERE to contact us. No agents will call. * * * * *

CATASTROPHIC MAJOR MEDICAL Description: Insures against catastrophic illness expenses. Benefits: Benefits include, but are not limited to: ambulance service to and from hospital anesthesia and its administration convalescent care --$300 per week home health care--100 visits hospital room and board up to $400 per day intensive care up to $800 per day oxygen and equipment rental physician, surgeon or physiotherapist prescription drugs private duty nursing--$300 per day Eligibility: No age limit; unmarried and dependent children under 25 may apply. This plan is available in all states except New Jersey, New York, Oregon, South Dakota, Vermont and Washington. Guaranteed issue in Florida, Iowa, Kansas, Kentucky, North Carolina and South Carolina. Rates: Rates are Semi-Annual. $25,000 DEDUCTIBLE   MEMBER MEMBER AND SPOUSE MEMBER AND CHILDREN MEMBER, SPOUSE AND CHILDREN Under 40 93.30 186.65 264.40 357.70 40 - 49 124.40 248.85 279.95 404.35 50 - 59 217.75 435.45 326.60 544.30 60 - 64 287.70 575.45 381.00 668.75 65 - 69 264.40 528.80 334.40 598.75 70 - 74 311.05 622.10 381.00 692.10 75+ 365.50 730.95 435.45 800.95 $35,000 DEDUCTIBLE   MEMBER MEMBER AND SPOUSE MEMBER AND CHILDREN MEMBER, SPOUSE AND CHILDREN Under 40 79.30 158.55 224.65 304.15 40 - 49 105.85 211.45 238.05 343.65 50 - 59 185.10 370.25 277.55 462.70 60 - 64 244.50 489.00 324.00 568.50 65 - 69 224.65 449.50 284.25 508.90 70 - 74 264.40 528.80 324.00 588.20 75+ 310.60 621.20 370.25 680.85 $50,000 DEDUCTIBLE   MEMBER MEMBER AND SPOUSE MEMBER AND CHILDREN MEMBER, SPOUSE AND CHILDREN Under 40 65.25 130.70 185.10 250.35 40 - 49 87.05 174.10 195.90 282.95 50 - 59 152.50 304.80 228.55 381.00 60 - 64 201.30 402.85 266.75 468.10 65 - 69 185.10 370.25 234.15 419.05 70 - 74 217.75 435.45 266.75 484.50 75+ 255.75 511.70 304.80 560.75

For a complete brochure and application, call 1-800-223-1481 or e-mail us. To send an e-mail request, be sure to include your name and mailing address. Click HERE to contact us. No agents will call. * * * * *

NEW YORK EXCESS MAJOR MEDICAL Description: Insures against catastrophic illness expenses. Benefits: Benefits include, but are not limited to: ambulance service to and from hospital anesthesia and its administration convalescent care - $300 per week home health care - 100 visits oxygen and equipment rental physician, surgeon or physiotherapist prescription drugs private duty nursing--$300 per day Hospital Benefits: If you are under age 65, you will receive a $2,000 credit toward your plan deductible for each day of confinement in a hospital regardless of the actual amount charged. Your hospital benefits for inpatient charges per benefit period are: First 30 days -- $75/day Next 200 days -- $100/day Thereafter -- $150/day If you are age 65 or over and eligible for Medicare, your benefits are equal to the reasonable and customary hospital charges for room and board, up to $400 per day after your elected deductible is satisfied. Eligibility: Guaranteed Issue. No age limit; unmarried and dependent children under 25 may apply. This plan is only available in New York. Rates: Rates are Semi-Annual. DEDUCTIBLE MEMBER MEMBER AND SPOUSE MEMBER AND CHILDREN FAMILY $25,000 $211.20 $422.40 $279.36 $490.56 $35,000 $154.18 $308.35 $203.93 $358.10 $50,000 $116.16 $232.32 $153.65 $269.81 For a complete brochure and application, call 1-800-223-1481 or e-mail us. To send an e-mail request, be sure to include your name and mailing address. Click HERE to contact us. No agents will call. * * * * *

MEDICARE SUPPLEMENT   Description: The Medicare Supplement Plan is quality health insurance to supplement Medicare. Ten government-approved plans are available. Benefits: Depending on the plan you choose, benefits can include Part A and B deductibles, skilled nursing coinsurance, foreign travel emergency, at home recovery and prescription drugs. Eligibility: Members and spouses over 65. Rates: Rates depend on state of residence, age and plan chosen.

PLAN A	PLAN B	PLAN C	PLAN D	PLAN E	PLAN F	PLAN G	PLAN H	PLAN I	PLAN J
Basic Benefits	Basic Benefits	Basic Benefits	Basic Benefits	Basic Benefits	Basic Benefits	Basic Benefits	Basic Benefits	Basic Benefits	Basic Benefits
		Skilled Nursing Coinsurance	Skilled Nursing Coinsurance	Skilled Nursing Coinsurance	Skilled Nursing Coinsurance	Skilled Nursing Coinsurance	Skilled Nursing Coinsurance	Skilled Nursing Coinsurance	Skilled Nursing Coinsurance
	Part A Deductible	Part A Deductible	Part A Deductible	Part A Deductible	Part A Deductible	Part A Deductible	Part A Deductible	Part A Deductible	Part A Deductible
		Part B Deductible			Part B Deductible				Part B Deductible
					Part B Excess (100%)	Part B Excess (100%)		Part B Excess (100%)	Part B Excess (100%)
		Foreign Travel Emergency	Foreign Travel Emergency	Foreign Travel Emergency	Foreign Travel Emergency	Foreign Travel Emergency	Foreign Travel Emergency	Foreign Travel Emergency	Foreign Travel Emergency
			At Home Recovery			At Home Recovery		At Home Recovery	At Home Recovery
							Basic Drugs ($1,250 limit)	Basic Drugs ($1,250 limit)	Extended Drugs ($3,000 limit)
				Preventive Care					Preventive Care

For a complete brochure and application, call 1-800-223-1481 or e-mail us. To send an e-mail request, be sure to include your name and mailing address. Click HERE to contact us. No agents will call. * * * * *

TERM LIFE   Description: Give your family the protection they need with term life benefits available up to $500,000. Benefits: Benefits range from $10,000 to $500,000 in increments of $10,000. Waiver of premium benefit. Accelerated death benefit for terminal illness. Eligibility: Members and their spouses, under age 65 and their dependent, unmarried children under 19 years of age or under age 23 if a full-time student. Renewable to age 75. Rates: Rates are Semi-Annual for each $10,000 unit. Call 1-800-223-1481 for a rate quote. Children coverage available to a maximum of $10,000. For a complete brochure and application, call 1-800-223-1481 or e-mail us. To send an e-mail request, be sure to include your name and mailing address. Click HERE to contact us. No agents will call. Site created by Bruso Design