Frequently Asked Questions

Coverage

No, this insurance is not the same as major medical insurance. This insurance helps supplement any other insurance you may have.

Accident Insurance helps with your out-of-pocket medical expenses for an injury due to a covered accident. Accident & Sickness Insurance helps with your out-of-pocket medical expenses if you are injured in a covered accident or fall sick with a covered illness. Accidental Death Plus Insurance helps with unexpected expenses due a covered serious injury or accidental death.

Coverage depends on your individual needs for you and your family. We all know that one size does not fit all. That’s why we created 3 option plans with different coverage levels based on your needs.

These products may supplement your existing health insurance coverage you may have. Benefits can be used to help with co-pays, deductibles not covered under your health plan. But you could also use the cash benefits for anything you want – from household expenses to ubers so you can focus on your recovery.

If you apply for family coverage, your spouse and/or eligible dependent children are covered. If you select the individual plan your family is not covered.

You cannot purchase the Accident Insurance plan and the Accident & Sickness Insurance plan together but you can purchase Accident Insurance with Accidental Death Plus Insurance or the Accident & Sickness Insurance with the Accidental Death Plus Insurance plan. You cannot buy two or more plans of the same product.

Coverage will become effective on the Effective Date shown in the Schedule page of the Policy at 12:01 A.M. standard time at Your place of residence. Coverage will be considered effective upon receipt and processing of payment and issuance of Plan Documents.

No, there is no deductible for any of our products.

The plan can pay you directly or whomever you choose.

Cash benefits on approved claims are paid directly to you (or whomever you choose) and can be used to help cover household bills, medical payments, or anything you or your designee wish.

Benefits for a covered accidental death are paid directly to your designated beneficiary, to use as they see fit.

Getting a quote

The age of the individual who will be applying for coverage should be used.

You can choose to pay monthly, quarterly, semi-annually or annually. You may change your payment frequency at any time.

Policy

You can call customer service at 855-993-1772 to change your payment method at any time.

You can call customer service at 855-993-1772 to modify your policy information.

You can call customer service at 855-993-1772 to cancel at anytime.

To initiate the claims process, please send written notice of claim to AIG, P.O. Box 81969, Cleveland, OH 44181-1969 within 20 days* after your loss, or as soon as reasonably possible. A claim form will be sent to you once written notice of your claim is received. Proof of your loss must be sent within 90 days* after your loss, or as soon as reasonably possible. Benefits for covered losses will be paid immediately upon receipt of your written proof of loss. You may also call Customer Service to request a claim form.

*Time periods may vary by state and will be disclosed in your issued policy.

Yes, you may cancel coverage at any time, for any reason. Any unearned premium and/or service fees will be refunded to you.

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Copyright © 2022 American International Group, Inc. All rights reserved.

AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at www.aig.com. All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds.

Offered by Morefar Marketing, Inc.® (Agency name is shown as Morefar Insurance Agency in CA, under license number 0C91962 together with Morefar Marketing, Inc., "Morefar") national producer number: 654243, with its principal place of business at 1271 Ave of the Americas FL 41, New York, NY 10020-1304. This is only a brief description of the coverage(s) available under policy series A30421NUFIC in AL, AK, AR, CT, DE, HI, IL, IN, KS, KY, LA, MS, MT, NE, NH, NV, NC, ND, OK, OR, RI, SC, SD, UT, WV, WI and WY, A30421NUFIC (Rev. 07/14) in FL, A30421NUFIC (Rev. 08/14) in NM, A30421NUFIC (Rev. 10/14) in CA, A30576NUFIC, A30588NUFIC and A30595NUFIC in OH, A30550NUFIC in AZ, DC and GA, A30576NUFIC, A30588NUFIC and A30595NUFIC in MI, A30576NUFIC, A30588NUFIC and A30595NUFIC in MD, A30576NUFIC, A30588NUFIC and A30595NUFIC in TN, A30588NUFIC and A30595NUFIC in NJ, A30588NUFIC in VA and A30630NUFIC in TX. The Policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy shall govern. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. (National Union), a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas FL 41, New York, NY 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. National Union and Morefar are AIG companies. The non-insurance services are provided through Careington International Corporation. Insurance coverage and non-insurance services may not be available in all states. Non-insurance services may be subject to sales and use tax.