Eligibility, exclusions and original policy terms apply.
Coverage overview
Critical illness coverage with an annual wellness benefit
Four basic-benefit levels available through the employer’s plan, with premiums by issue age and coverage tier. This is limited-benefit supplemental coverage, not major medical insurance or a Medicare supplement. $10,000-$40,000 employee basic benefits; Five printed issue-age bands; Employee through family coverage tiers
Eligibility, exclusions and original policy terms apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage. Limited-benefit supplemental insurance, not major medical insurance or a Medicare supplement.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: American Heritage Life Insurance Company
Coverage details
Critical illness
Four basic-benefit levels available through the employer’s plan, with premiums by issue age and coverage tier. This is limited-benefit supplemental coverage, not major medical insurance or a Medicare supplement. $10,000-$40,000 employee basic benefits; Five printed issue-age bands; Employee through family coverage tiers
Eligibility, exclusions and original policy terms apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage. Limited-benefit supplemental insurance, not major medical insurance or a Medicare supplement.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: American Heritage Life Insurance Company
Included with the policy price
Included Skin Cancer Rider
The listed critical-illness plans include a $250 Skin Cancer Rider (GCIP4SCR).
Covers the stated basal-cell and squamous-cell diagnoses; no payment within 365 days of a prior payment. Malignant melanoma and the listed pre-cancerous and other excluded conditions are not covered by this rider.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage. Limited-benefit supplemental insurance, not major medical insurance or a Medicare supplement.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: American Heritage Life Insurance Company
Included with the policy price
Included annual wellness benefit
The listed critical-illness plans include a $50 annual Fixed Wellness Rider (GCIP4FWR) for an eligible screening or test.
Once per covered person per calendar year for one of the 24 listed wellness services or tests. The source list and policy conditions govern.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage. Limited-benefit supplemental insurance, not major medical insurance or a Medicare supplement.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: American Heritage Life Insurance Company
Included with the policy price
Included premium waiver for the employee
The listed critical-illness plans include Waiver of Premium for the employee.
Requires 90 consecutive days of disability due to a critical illness or specified disease; employee only, subject to policy terms.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage. Limited-benefit supplemental insurance, not major medical insurance or a Medicare supplement.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: American Heritage Life Insurance Company
Coverage questions
What benefit amounts are shown?
The rate sheet lists four employee basic-benefit amounts: $10,000, $20,000, $30,000 or $40,000.
Available benefit amounts depend on the applicable group plan. Review the brochure for each covered person's benefit amounts and terms.
Covered dependents receive 50% of the employee initial, cancer and reoccurrence benefit amounts.
Which coverage tiers are listed?
The rate sheet includes employee, employee with children, employee with spouse and family coverage tiers.
Match the employee basic-benefit amount with the applicable coverage tier. Review the brochure for each covered person's benefit amounts and terms.
How do I find the matching premium?
Premiums vary by issue age and coverage tier. Match the employee basic-benefit amount, issue-age band and coverage tier before reading the premium.
The premiums are biweekly. Compare the brochure and matching rate sheet together.
Who is the insuring company?
The insuring company shown for this coverage is American Heritage Life Insurance Company.
Premier Protection is an independent insurance agency.
What should I review before choosing coverage?
Read the brochure and policy for covered-condition definitions, benefit details, exclusions and eligibility requirements.
Available benefit amounts and policy terms depend on the applicable group plan. State availability and policy conditions still apply.
A diagnosis occurring before coverage begins is not payable. A diagnosis of a covered critical illness or specified disease after the effective date may be payable, subject to the policy definitions, limitations and exclusions.
Who can help with claim questions?
Premier Protection recommends the Whitten & Associates claims center for this coverage.
You may also contact the insuring company directly.
What is the next step?
Review the benefit brochure and matching biweekly rate sheet with Premier Protection. Discuss the coverage and applicable application requirements before choosing coverage.
Reading this FAQ or the rate sheet does not submit an application.
Available benefit amounts depend on the applicable group plan. Eligibility, state availability, covered-condition definitions, exclusions and policy terms apply. Review the brochure and policy for benefit details.
Insuring company: American Heritage Life Insurance Company. Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.