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National General Foundation HealthFOR AGENT TRAINING USE ONLY. NOT FOR DISTRIBUTION TO CONSUMERSNational General Accident and Health markets products underwritten by National Health Insurance Company, Time Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation.
National General Foundation Health
Why a fixed-benefit indemnity plans
Why supplements help
Plan design & how it works
National General Foundation Health
Why fixed-benefit indemnity plans
• 2017 Open Enrollment, ACA plans’ premiums rose by 25% on
average 1
• 2017 Open Enrollment: There was an average of 3.9 insurers
on the Health Insurance Marketplace (down from 5.4 in
2016)2
• Approximately 62% of Americans have less then $1,000 in
savings 3
1 Retrieved 11/29/2016 from http://fortune.com/2016/10/25/obamacare-insurance-premiums-2017-healthcare/
2 Retrieved 11/29/2016 from http://kff.org/health-reform/issue-brief/2017-premium-changes-and-insurer-participation-in-the-affordable-care-acts-health-insurance-marketplaces/
3 Retrieved 11/29/2016 from http://www.marketwatch.com/story/most-americans-have-less-than-1000-in-savings-2015-10-06
National General Foundation Health
Why fixed-benefit indemnity plans
An affordable way for your clients to get the health care
they need by:
– Helping to cover the anticipated cost of every day health
care services with set-dollar amounts
– Providing access to telemedicine services, prescription and
vitamin discounts, lab discounts, negotiation services, and
more, for additional savings on health care.
National General Foundation Health
Why fixed-benefit indemnity plans
A fixed-benefit indemnity plan is great for clients who:
– Don’t have the budget for major medical plans
– Don’t want to pay for benefits they don’t use
– Missed Open Enrollment and still need help paying for
health care expenses
THESE PLANS PROVIDE LIMITED BENEFITS. Make sure your clients know this is not a major medical plan and does not satisfy the requirements
of minimum essential coverage under the Affordable Care Act. They may be subject to a tax penalty.
National General Foundation Health
National General Foundation Health overview
• Benefits start right away – no waiting period
• First-dollar benefits – no deductibles or copays
• Access to the MultiPlan Network of doctors and
hospitals for added savings
• Includes a L.I.F.E. Association membership
National General Foundation Health
Why National General Foundation Health
Offers predictable and affordable access to health care
• Clients can go to any doctor or hospital they want
• They save more when they use MultiPlan Network providers
• Benefits for office visits, lab and x-rays, surgeon costs, and more
• Benefits are paid on top of other coverage
• No coordination of benefits
• Automatic renewals - no need to reapply
National General Foundation Health
L.I.F.E. Association
MyTeleMedicine:
• Connect with a physician 24/7 regardless of the time or location
• No limits to the number of consultations - at no extra cost to you.
• Requires registration
WellCard Savings:
• Provides access to pre-negotiated savings on prescriptions, hearing aids, vitamins, and diabetic supplies
• Requires registration
The membership provides:
• Access to Direct Labs - with special group rating
• Hospital and diagnostic facility cost negotiations
• Identity Theft Protection
• Fitness Programs
• World-Wide Travel Assistance
• Roadside Assistance
• and moreMemberships not available in all states
If sold with the National General STM or TrioMED, client would receive only one L.I.F.E. Association Membership
LIFE Association memberships give your clients access to :
National General Foundation Health
Plan Details: Hospital and Ambulance benefits
Level 1 Level 2 Level 3
Ho
spit
al C
har
ges
Confinement BenefitRequires a stay for more than 24 hours
$1,000 per dayUp to 31 days per year
$2,000 per dayUp to 60 days per year
$3,000 per day Up to 90 days year
Hospital AdmissionLimited to one admissions per year
$250 $500 $1,000
Emergency Room Visit$100 per day1 day per year
$200 per day2 days per year
$300 per day2 days per year
Am
bu
lan
ce
Ground 1 time per year
$300 $400 $500
Air1 time per year
$1,000 $2,000 $3,000
National General Foundation Health
Plan Details: Benefits for office visits and lab work
Level 1 Level 2 Level 3
Off
ice
visi
ts &
lab
wo
rk
Doctor’s Office Visit$50/day2 days per year
$70 /day2 days per year
$90 /day2 days per year
Diagnostic TestsEx: MRI, Mammogram
$100/day1 day per year
$200/day2 days per year
$300/day2 days per year
X-Ray Benefits$100/day1 day per year
$100/day2 days per year
$100/day3 days per year
Laboratory BenefitEx: Cholesterol, A1C
$50/day1 day per year
$75/day2 days per year
$100/day3 days per year
National General Foundation Health
How the plan worksLike other insurance plans, customers should:
Use the network website to search for network providers:
www.multiplan.com
Set an appointment with the provider
Present his/her ID Card when checking in
After receiving treatment(s),
The EOB will show the network discount and the plan
benefit paid
The insured is responsible for paying any remaining
balance after the plan benefit is paid
The plan benefit your client receives is the same regardless of where they receive care or how much the provider charges.
National General Foundation Health
Plan Details: Surgeon Benefits
Level 1 Level 2 Level 3
Surg
eon
Ben
efit Inpatient
Admitted for no less than 24 hours
$1,000/per day $2,000/per day $3,000/per day
OutpatientAdmitted and released in a period less than 24 hours
$500/per day $1,000/per day $1,500/per day
Benefits are paid per covered person, per policy year.
Maximum days per policy year: 3 (combined inpatient and outpatient benefits)
Benefits and product availability may vary by state
National General Foundation Health
Plan Details: Network
MultiPlan Network
• Over 4,800 hospitals
• 100,000 ancillary facilities
• 800,000 health care professionals
• Assignment of benefits – we pay
providers directly
Average 42% discount for Physicians and Specialists!
www.multiplan.com
National General Foundation Health
How the plan works:
Office visit $2001
Chest x-ray $3702
Total charges $570
Network discount 3 $239
Office visit/ X-ray benefits $70/$100
Total out-of-pocket: $161
National General Foundation Health - Level 2
Office visit for illness
1.http://www.jhsph.edu/news/news-releases/2015/primary-care-visits-available-to-most-uninsured-but-at-a-high-price.html2.http://health.costhelper.com/chest-x-rays.html3. Multiplan discounts average 42% for physicians and specialists
That’s over 70% savings when you add the network discount and plan benefits
Not an actual case. For Illustration purposes only.
National General Foundation Health
National General Foundation Health plan – Level 2
Not an actual case. For Illustration purposes only
1.https://www.healthcarebluebook.com/page_ProcedureDetails.aspx?id =69&dataset=MD&g=Appendectomy2. Anesthesia not covered under plan3. Multiplan network discount for acute inpatient average 19.72%
How the plan works:
That’s big savings when you add the network discount
and plan benefits
Overnight stay for an Appendectomy1
Hospital stay charge $5,784
Surgeon fee $1,586
Anesthesia fee2$908
Network discount 3 $1,453
Cost after network discount $6,825
Surgeon benefit $2,000
Hospital admission benefit (1st visit) $500
Hospital confinement benefit $2,000
Total out-of-pocket: $2,325
National General Foundation Health
NG Foundation Health Plan Sample Rates
Family Composition
Plan Level 1
Plan Level 2
Plan Level 3
Individual $87.46 $169.96 $252.96
Couple $174.93 $339.92 $505.93
1 Parent Family
$202.04 $391.12 $581.59
2 ParentFamily
$289.51 $561.08 $834.55
Sample rates for primary age 18 - 49
FamilyComposition
PlanLevel 1
Plan Level 2
Plan Level 3
Individual $120.48 $235.00 $350.11
Couple $240.96 $470.01 $700.22
1 Parent Family
$221.49 $429.97 $639.90
2 Parent Family
$341.98 $664.97 $990.01
Sample rates for primary age 50 - 54
Rates shown are representative of rates in most states, however, rates may vary by state and age. Always refer to the quoting tool for specific rates for your clients.
National General Foundation Health
NG Foundation HealthState availability
AL ID MS OK TX
AR IL NC PA VA
AZ IN NM* RI WI**
DC LA NV SC WV
FL MI OH TN WY
GA MO
*In New Mexico, any person applying for coverage that has prior health insurance with any carrier, including a National General Foundation Health plan, must have at least a 95-day gap before applying for a National General Foundation Health plan. **L.I.F.E. Association not available in WI
National General Foundation Health
Eligible Ages
Primary applicant
– Age 18 – 64 at time of application
• Children up to age 26– No child only
• Requires a Health Questionnaire
• Renewable to age 65
National General Foundation Health
Who it’s good for
A fixed-benefit indemnity plan is good for clients who:
– Don’t have the budget for major medical plans
– Don’t want to pay for benefits they don’t use
– Missed Open Enrollment and still need help paying for
health care expenses
These plans are not suitable for clients who:
Utilize a lot of medical services
Want comprehensive medical coverage and don’t mind paying higher
premiums
Have a serious illnesses or chronic conditions
National General Foundation Health
• Pre-existing conditions
• Dental procedures
• Elective or cosmetic surgery
• Prescriptions and
medications
Example of exclusions
*Not a comprehensive list of exclusions. Please refer to the policy of the marketing product brochure for a complete list.
• Pregnancy
• Workers compensation
• Hazardous activities
• Mental disability and chemical
abuse
National General Foundation Health
5 days before the monthly anniversary of start date (monthiversary)
EFT
Visa, MasterCard, or Discover
Enrollment
Initial Payment
Drawn at time of application
Reoccurring Payment Form of Payment
– 1st or 15th
– Must apply by 25th for 1st
– Must apply by 9th for 15th
National General Foundation Health
Plan Enhancer• Accident Medical Expense
Plan Enhancer with riders*• Cancer and Heart Stroke• Sickness Hospitalization
Accident Fixed Benefit• Fixed dollar amount per
service from and accident
Critical Illness• First ever diagnosis of Critical Illness• 15 Covered Conditions
Cancer & Heart/Stroke• Benefit pay out for first-ever diagnosis
of Cancer & first-ever heart attack or stroke
TrioMED• AME | CI | AD&D• Guaranteed Issue
Bundle with our supplemental plans for even more coverage
*Riders not available in all states Dental PPO or Dental Indemnity plans also make a great add-on!
National General Foundation Health
Bundled with supplemental coverage
Treatment Cost 1 $9,300
Network discount 2 $1,834
NG Foundation Health paid: 3 hospital days
Admission (1st under plan)Chest x-ray (1st under plan)
$3,000$250$100
Sickness Hospitalization Rider with Plan Enhancer paid: $5,000
Remaining out-of-pocket cost $0
Client fell while walking dog and injured shoulder resulting in surgeryNG Foundation Health – Level 1 plan and a $5,000 Plan Enhancer with riders
1 Average cost of shoulder surgery and MRI2 Multiplan network discount for acute inpatient average 19.72%3 48-year-old male AZ, non-smoker
Leaves $884 to help pay for other expenses
With a monthly premium of $137.46 3
Not an actual case. For Illustration purposes only Quotes ran 4.3.17
National General Foundation Health
Ex 1.| Bundled with supplemental coverage
Treatment Cost 1 $7,312
Network discount 2 $1,441.93
Client’s cost after discount $5870.07
Benefit’s Paid:
NG Foundation Health-- Outpatient surgeryNG Foundation Health-- MRI
Accident Benefit LV 2--MRI Accident Benefit LV 2--MRI
Plan Enhancer—Accident benefit
$500$100$200$600$5,000
Total Benefits Paid $6,400
Remaining out-of-pocket cost $0
Shoulder Surgery – Male, 78717, 01/01/1972NG Foundation Health – Level 1 plan and a $5,000 Plan Enhancer AME + Accident Fixed Benefit Level 2
Not an actual case. For Illustration purposes only Quotes ran 4.3.17
Client receives check for $529.93
1.https://www.healthcarebluebook.com/page_ProcedureDetails.aspx?cftId=553&g=Shoulder+Surgery+(non-arthroscopic)2. Multiplan network discount for acute inpatient average 19.72%
National General Foundation Health
Ex 2.| Bundled with supplemental coverage
Treatment Cost 1 $12,497
Network discount 2 $2,374.43
Client’s cost after discount $10,122.57
Benefit’s Paid:NG Foundation Health – Outpatient surgery
NG Foundation Health – MRING Foundation Health – ER Accident Fixed Benefit – ER
Accident Fixed Benefit – MRI Accident Fixed Benefit – Hip Surgery Open Reduction
$1,000$200$200$100$200$5,000
Total Benefits Paid $6,700
Remaining out-of-pocket cost $3,422.57
Hip Fracture – Male, 78717, 01/01/1972, NT – Quoted 4/3NG Foundation Health – Level 2 plan and a Dental PPO Essentials and Accident Fixed Benefit Level 2
67% of the total cost was covered when combining
benefits of multiple products
1.www.healthcarebluebook.com/page_ProcedureDetails.aspx?cftid=589&g=Hip%20Fracture%20Repair&directsearch=true2. Multiplan network discount for acute inpatient average 19.72%2. Multiplan network discount for acute inpatient average 19.72%
Not an actual case. For Illustration purposes only Quotes ran 4.3.17
National General Foundation Health
Ex 3.| Bundled with supplemental coverage
Treatment Cost 1 $12,406
Network discount 2 $2,357.14
Client’s cost after discount $10,048.86
Benefit’s Paid by:
NG Foundation Health – Out-Patient SurgeryNG Foundation Health – X ray
NG Foundation Health – ERAccident Fixed Benefit – ER
Accident Fixed Benefit LV 2 – MRIAccident Fixed Benefit LV 2 – Leg surgery
HEP – Hospital AdmissionsHEP – X ray
$500$100$100$100$200$2,500$1,500$50
Total Benefits Paid $5,050
Remaining out-of-pocket cost $4,998.46
Femur fracture – Male, 78717, 01/01/1972NG Foundation Health – Level 1 plan with Hospital Expense Protection and Accident Fixed Benefit Level 2
60% of the total cost was covered by benefits of
combined products
1.https://www.healthcarebluebook.com/page_ProcedureDetails.aspx?cftId=30&g=Femur+Fracture+Treatment2. Multiplan network discount for acute inpatient average 19.72%2. Multiplan network discount for acute inpatient average 19.72%
Not an actual case. For Illustration purposes only Quotes ran 4.3.17
National General Foundation Health
Ex 4.| Bundled with supplemental coverage
Remaining out-of-pocket cost $0
Gallbladder removal – Male, 78717, 01/01/1972NG Foundation Health – Level 2 plan and Hospital Expense Protection
Client receives check for $729
Treatment Cost 1 $14,600
Network discount 2 $2,879
Client’s cost after discount $11,721
Benefit’s Paid by:
NG Foundation Health – Inpatient SurgeryNG Foundation Health – 1st time admission
NG Foundation Health – Confinement 4x daysHealth Expense Protection – 1st time admission
Health Expense Protection – Confinement 4x days
$2,000$500$8,000$1,500$450
Total Benefits Paid $12,450
1.www.healthcarebluebook.com/page_ProcedureDetails.aspx?cftid=75&g=Cholecystectomy%20(surgical)&directsearch=true2. Multiplan network discount for acute inpatient average 19.72%
Not an actual case. For Illustration purposes only Quotes ran 4.3.17
National General Foundation Health
Ex 5.| Bundled with supplemental coverage
Remaining out-of-pocket cost $0
Client has heart attack – Male, 78717, 01/01/1972NG Foundation Health – Level 2 plan and TrioMed 30k
1. Average cost of an AMI. Source: Agency for Healthcare Research and Quality, Center for Delivery, Organization, and Markets, Healthcare Cost and Utilization Project, National Inpatient Sample, 2013 2. Multiplan network discount for acute inpatient average 19.72%
Client receives check for $23,350
Treatment Cost 1 $20,086
Network discount 2 $3,961
Client’s cost after discount $16,125
Benefit’s Paid by:
NG Foundation Health – Inpatient SurgeryNG Foundation Health – 1st time admission
NG Foundation Health – Confinement 3x daysNG Foundation Health – Emergency Room
NG Foundation Health – Ambulance (ground)NG Foundation Health – Lab/diagnostic/X ray
TrioMed – Critical Illness Lump Sum
$2,000$500$6,000$200$400$375$30,000
Total Benefits Paid $39,475Not an actual case. For Illustration purposes only Quotes ran 4.3.17
National General Foundation Health
Ex 6.| Bundled with supplemental coverage
Remaining out-of-pocket cost $0
Client has heart attack – Male, 78717, 01/01/1972NG Foundation Health – Level 1 plan with Critical Illness-Term Life 50k
1. Average cost of an AMI. Source: Agency for Healthcare Research and Quality, Center for Delivery, Organization, and Markets, Healthcare Cost and Utilization Project, National Inpatient Sample, 2013 2.Multiplan network discount for acute inpatient average 19.72%2. Multiplan network discount for acute inpatient average 19.72%
Client receives check for $38,775
Treatment Cost 1 $20,086
Network discount 2 $3,961
Client’s cost after discount $16,125
Benefit’s Paid by:
NG Foundation Health – Inpatient SurgeryNG Foundation Health – 1st time admission
NG Foundation Health – Confinement 3x daysNG Foundation Health – Emergency Room
NG Foundation Health – Ambulance (ground)NG Foundation Health – Lab/diagnostic/X ray
Critical Illness Term Life – Critical Illness Lump-Sum
$1,000$250$3,000$100$300$250$50,000
Total Benefits Paid $54,900Not an actual case. For Illustration purposes only Quotes ran 4.3.17
National General Foundation Health
Ex 7.| Bundled with supplemental coverage
Remaining out-of-pocket cost $0
Client has heart attack – Male, 78717, 01/01/1972NG Foundation Health – Level 2 plan and Critical Illness Term Life 50k and Plan Enhancer with CHS and SIP riders
1. Average cost of an AMI. Source: Agency for Healthcare Research and Quality, Center for Delivery, Organization, and Markets, Healthcare Cost and Utilization Project, National Inpatient Sample, 2013 2.Multiplan network discount for acute inpatient average 19.72%2. Multiplan network discount for acute inpatient average 19.72%
Client receives check for $28,350
Treatment Cost 1 $20,086
Network discount 2 $3,961
Client’s cost after discount $16,125
Benefit’s Paid by:
NG Foundation Health – Inpatient SurgeryNG Foundation Health – 1st time admission
NG Foundation Health – Confinement 3x daysNG Foundation Health – Emergency Room
NG Foundation Health – Ambulance (ground)NG Foundation Health – Lab/diagnostic/X ray
Critical Illness Term Life – Critical Illness Lump-sumPlan Enhancer + CHS – Lump-sumPlan Enhancer + SIP – Lump-sum
$2,000$500$6,000$200$400$375$50,000$5,000$5,000
Total Benefits Paid $44,475
Not an actual case. For Illustration purposes only Quotes ran 4.3.17
National General Foundation Health
Ex 8.| Bundled with supplemental coverage
Remaining out-of-pocket cost $0
Client has Colon Cancer – Male, 78717, 01/01/1972NG Foundation Health – Level 1 plan and Cancer & Heart/Stroke
Client receives check for $26,714
Treatment Cost 1 $34,077
Network discount 2 $6,815
Client’s cost after discount $27,286
Benefit’s Paid by:
NG Foundation Health – Inpatient SurgeryNG Foundation Health – Outpatient SurgeryNG Foundation Health – 1st time admission
NG Foundation Health – Confinement 2x daysNG Foundation Health – Lab/diagnostic/X ray
Cancer & Heart/Stroke lump-sum
$1,000$500$250$2,000$250$50,000
Total Benefits Paid $54,000
1. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2832226/table/t4-hcfr-31-01-035/#tfn9-hcfr-31-01-035
2. 2. Multiplan network discount for acute inpatient average 19.72%
Not an actual case. For Illustration purposes only Quotes ran 4.3.17
National General Foundation Health
Ex 9.| Bundled with supplemental coverage
Treatment Cost 1 $16,500
Network discount 2 $3,254
NG Foundation Health paid: 3 hospital days
Surgery BenefitAdmission (1st under plan)
leg x-ray (1st under plan)
$3,000$4,000$250$100
Accident Fixed-Benefit paid: $3,800
Remaining out-of-pocket cost $2,096
Admission to a hospital for 3 days with broken ankle with surgery. NG Foundation Health – Level 1 plan and a Level 2 Accident Fixed Benefit
1 Average cost of a hospital stay due injury according to the Agency for Healthcare Resource and Quality, statistical brief #146, January 2013.2.Multiplan network discount for acute inpatient average 19.72%
Not an actual case. For Illustration purposes only.*Rate based on 45 year old Single male in Texas (Zip: 78717)
For $22.90* a month, we paid out $3,800 to
the customer!
National General Foundation Health
– E-Signature
• www.vipmemberbenefits.com
• Login to e-sign their application
• Easiest Method
Product Enrollment
– Voice Signature
• 3-way call with insured on the line
• Dial 210-835-9969
• Instructions present on each application
National General Foundation Health
Post Sale: Instant Access
Electronic policy fulfillment • Customers can view all policy documents at
www.NGAHDocuments.com
ID card(s) will arrive separately in the mail.
Customers can manage their policies at www.VIPmemberbenefits.com• Change payment types • Change of address
National General Foundation Health
Post Sale: Member Services
• Cancellations
– Plan cancellations • 10 days prior to the
monthiversary to stop premium withdraw
Member Services
888-781-0585
National General Accident & HealthPO BOX 1070Winston Salem, NC 27102-1070
888-344-3232
National General Foundation Health
National General Foundation Health plan
Set dollar amounts to help with health care costs
3 benefit levels to choose from
Easy to use and easy to understand
No lifetime limits
Pick any doctor or hospital- Could save more by staying within
MultiPlan Network
No deductible or coinsurance
National General Foundation Health
Questions?
Email: [email protected]
NGAH-NGFHAGENTTRAINING (1/2017) © 2017 National Health Insurance Company. All rights reserved.
National General Foundation Health
LIFE ASSOCIATION TERMS & CONDITIONS
LIFE Association, Inc. (“LIFE”) provides Members with benefits and services designed to enhance their lives and stretch the value of their hard earned dollars. Once a LIFE Member, a variety of association products, services and group insurance plans are available for consideration.
Payments for the LIFE Program are due in advance. Payments will be collected on or about 15 days before the due date. If you choose to cancel your membership, it is your responsibility to make sure that your membership cards and a written request for cancellation are sent to LIFE at least 15 days prior to the anniversary of your effective date in order for your account not to be charged for additional fees. Membership is effective on the 1st of the month following enrollment acceptance by LIFE, Inc.
LIFE reserves the right to terminate any enrollment or deny eligibility in the association for lack of payment to LIFE. Returned checks, insufficient notices on bank drafts or denial by the member’s credit card company for payment of the membership fee are deemed to be evidence of non-payment by a Member. There will be a $30.00 charge to be reinstated in the Association after such denial.
Proxy - In regard to your participation as a member of LIFE Association, Inc. (the “Association”) you appoint the Secretary of the Association in office at any particular time as your proxy to receive notice of and attend all meetings of the members and vote on your behalf and to otherwise act for you in the same manner and with the same effect as if you were personally present. This proxy shall be valid until revoked by you at any time prior to voting at any meeting, by executing and delivering a written notice of revocation to the Secretary of the Association, by executing and delivering a subsequently dated proxy to the Secretary of the Association, or by voting in person.
LIFE is not an insurer, guarantor or underwriter and does not provide any medical treatment, medical services, products, product liability or guarantees for any Member. Providers of products and services are independent contractors and are not employees or agents of LIFE. Due diligence of any provider of products or services and the final selection of a provider, facility or merchant and the approval or disapproval of products or services are the Member’s choice alone. LIFE and its affiliates do not have the responsibility or liability for a Member or Member’s dependents medical care or for any other goods or services provided to Member or Member’s dependents. Member shall have no recourse against LIFE by reason of its referral to a provider of products or services and shall hold LIFE harmless against any claims. No payments to medical providers or Members will be made by LIFE Association, Inc.
This Agreement shall be governed and construed in accordance with the laws of the State of Texas. Any dispute or claim in law equity arising out of this Agreement or any resulting transaction, including disputes or claims involving the parties to this Agreement, their officers, agents, or employees, shall be submitted to neutral, non-binding mediation prior to the commencement of arbitration, litigation, or any other proceeding before a trier of fact. The parties to the dispute or claim agree to act in good faith to participate in mediation, and to identify a mutually acceptable mediator. If a mediator cannot be agreed upon by the parties, each party shall designate a mediator and those mediators shall select a third mediator who shall act as the neutral mediator, assisting the parties in attempting to reach a resolution. All parties to the mediation shall share equally in its cost. If the dispute or claim is resolved successfully through the mediation, the resolution will be documented by a written agreement executed by all parties. If the mediation does not successfully resolve the dispute or claim, the mediator shall provide written notice to the parties reflecting the same, and the parties may then proceed to seek an alternative form of resolution of the dispute or claim, in accordance with the remaining terms of this Agreement and other rights and remedies afforded to them by law. Exclusive venue for such mediation shall be in Dallas, Texas. Members shall submit all grievances in writing via U.S. Mail to LIFE Association, Inc., P.O. Box 26338, El Paso, TX 79926. These provisions shall survive termination of membership. This Agreement constitutes the entire Agreement between Members and LIFE. There are no warranties, express or implied, other than those expressly stated herein. This Agreement may only be amended in writing by LIFE. LIFE may assign its duties and responsibilities hereunder to third parties.
By utilizing any LIFE products and services, Member agrees to these terms and conditions.
Cancellation: Members may cancel their LIFE membership at any time upon written notification to LIFE and return of all identification cards. Once again Members must return their membership cards. Membership dues in the first thirty days of membership shall be refunded if the above requirements are met. There are no prorated fees or rebates after the first thirty days of membership. Cancellation will become effective on the Member’s anniversary date of membership. Failure of a member to pay LIFE membership dues will be cause for cancellation of the membership by LIFE.
These Terms & Conditions are subject to change without notice.
LIFE Association, Inc. P.O. Box 26338 El Paso, TX 79926 800-557-5024