Exclusions & Limitations

Claims will not be paid under the Policy for:

• Any loss resulting from war, declared or undeclared;

• Any intentionally self-inflicted injury;

• Any loss resulting from an Insured Person’s involvement in a felonious occupation or activity;

• Any expense for which payment is provided under Medicare;

• Any experimental or investigational procedure or treatment;

• Orthodontic treatment;

• Any expense incurred for the diagnosis or treatment of temporomandibular joint disorder (TMJ), unless benefits are otherwise required to be provided in Your state;

• Prescribed drugs, medication or pain killers;

• Charges in excess of Reasonable and Customary charges;

• Treatment of injuries or illness covered by workers’ compensation or employers’ liability laws; services received without cost from any federal, state or local agency, unless this exclusion is prohibited by law;

• Cosmetic surgery or procedures for purely cosmetic reasons, or services for congenital (hereditary) or developmental malformations. Such malformations include, but are not limited to cleft palate, upper and lower jaw malformations, enamel hypoplasia (lack of development), flurosis (a type of discoloration of the teeth) and anodontia (congenitally missing teeth);

• Treatment to restore tooth structure lost from wear, erosion, or abrasion; treatment to rebuild or maintain chewing surfaces due to teeth out of alignment or occlusion; or treatment to stabilize teeth. For example: equilibration, periodontal splinting, occlusal adjustment;

• Charges by any hospital or other surgical or treatment facility and any additional fees charged by the Physician for treatment in any such facility;

• Charges for anesthesia, other than by a licensed Dentist administering general anesthesia in connection with covered oral surgery services;

• Extraoral grafts (grafting of tissues from outside the mouth to oral tissues);

• Treatment by someone other than a Physician or a person who by law may work under a Physician’s direct supervision;

• For treatment rendered by a person who ordinarily resides in the Insured Person’s household or who is related to the Insured Person by blood, marriage or legal adoption;

Protection for Life, Accident, Specific Illness, and More. 10 year renewable and convertible term life policy with Accelerated Living Benefits covering heart attack, stroke, cancer and coronary bypass surgery along with an accidental death, dismemberment and common carrier death benefits. See details.

ValuProtector AP

Asset Protection Plan -
Protection for Life, Specific illness. ValuProtector AP is a Decreasing Term Plan with Accelerated Living Benefits. It is Available for 10, 15, 20, 25, or 30 years. See details.

Simplified Issue Whole Life-
SIWL is a complete life policy that helps cover the Final Expenses of the insurers death. See details