Announcing ALLSTATE's PLAYERS PLAN......PLUS Coverage to Association Members
24 hour coverage for You, or for You and Your Family
Benefits are paid Regardless of Any Other Insurance you have, unless assigned
Guaranteed Renewable to Age 70, Subject to Change in Premiums by Class
Two Plan Options to Choose From
 
Benefit
Covered
Basic Plan
Premier Plan
Medical Expenses-We pay up to amount shown for doctor fees, xrays, emergency services and repair to sound natural teeth, if diagnosed by a licensed dentist to be a result of the accident.*
Insured
Spouse
Children
up to $250
up to $250
up to $250
up to $500
up to $500
up to $500
Ambulance (needed as a result of accidental injury)-We pay the amount shown for transfer to or from a hospital by regular ambulance.  We pay the amount shown for transfer to or from a hospital by air ambulance.
Insured
Spouse
Children
$100
$200
$200
$400
Hospital Confinement-We pay the amount shown for each day a covered person is admitted to and confined as an inpatient in a hospital up to a maximum of 90 days for each period of continuous hospital confinement.*
Insured
Spouse
Children
$100/day
$100/day
$100/day
$200/day
$200/day
$200/day
Dislocation or Fracture-We pay up to maximum amount shown.  Amount paidbased on injury (see Injury Benefit Amounts listed in brrochure AWD9079 or in the policy).  No benefit will be paid for any dislocation or fracture that is not listed in the Injury Benefit Amounts chart.
Insured
Spouse
Children
up to $2000
up to $1000
up to $500
up to $4000
up to $2000
up to $1000
Loss of Life or Limbs-We pay maximum amount shown for death.  Losses of limb benefit amounts are based on injury (see Injury Benefit Amounts in accident brochure AWD9079 or in the policy)>  If an accident occurs while a covered person is a fare-paying passenger on a scheduled common carrier, we pay a benefit equal to 3 times the amount shown.
Insured
Spouse
Children
up to $20,000
up to $10,000
up to $5,000
up to $40,000
up to $20,000
up to $10,000
Disability (Primary Insured only)-We pay the amount shown when the primary insured is totally disabled for 3 full days; payable for only one disability at a time; maximum benefit period 6 months.  For any period of disability less than one full month, 1/30th of the monthly disability amount is paid for each day of total disability.  The primary insured is totally disabled when, due to an accidental injury as defined in the policy, is under the care of a physician, unless the physician states that no further treatment is needed; and is not able to do any and every important duty o his or her regular job (if the primary insured is retired, he or she must be unable to engage in the normal and necessary activities of a retired person of like age and good health); and is not working at any job for pay or profit.
Insured
Spouse
Children
$600/month
n/a
n/a
$1200/month
n/a
n/a
Outpatient Physician's Treatment Benefit Rider (APOPTR1)-We pay the amount shown when a covered person is treated by a physician outside of a hospital.  This benefit is limited to 2 visits per calendar year, per covered person; and a maximum of 4 visits per calendar year if the policy is in force as family coverage.  Treatment can be for sickness, annual wellness exams, or other visits to a physician outside of a hospital.
Insured
Spouse
Children
$50/visit
$50/visit
$50/visit
$100/visit
$100/visit
$100/visit
*Coverage only for hospitals and treatment in the U.S. or its territories.  Basic Plan has 1 unit
of AP2 and Outpatient Physician's Treatment Benefit Rider.  Premier Plan has 2 units of AP2
and Outpatient Physician's Treatment Benefit Rider. 
BASIC PLAN PREMIUMS
PREMIER PLAN PREMIUMS
Monthly Bankdraft
Annual
Monthly Bankdraft
Annual
Individual  $29.56
Individual  $340.88
Individual  $57.03
Individual  $656.76
Family  $53.96
Family $622.39
Family  $105.83
Family  $1,220.78
Issue Ages 21 - 64
This is not medical insurance and is not intended to replace your current coverage,
but to supplement your coverage.

Timing
We provide benefits if a covered person sustains an injury which results in a covered loss within 90 days (180 days for dismemberment or death) from the date of the accident.  Coverage is effective on the date assigned by the home office and shown on your actual policy.

Exclusions and LImitations
If more than one dismemberment, dislocation or fracture is sustained in any one injury, the total amount we will pay will not exceed the maximum amount shown in the Benefits section.  We do not cover any loss as a result of:  injuries incurred before the policy date, subject to the incontestability Provision; or anyu act of war, whethere or not declared, participation in a riot, insurrection or rebellion; or suicide or any attempt at suicide, whether sane or insane; or any loss sustained or contracted in consequence of the insured's being intoxicated or under the influence of any narcotic, unless administered on the advice of a physician; or any bacterial infections (except pyogenic infections that occur with and through an accidental cut or wound); or participation in any form of aeronautics except as a fare-paying passendger in a licensed aircraft provided by a common carrier and operating between definitely established airports; or the voluntary taking of poison or asphyxiation from or voluntary inhalation of gas or fumes; or commiting or attempting to commit an assault or felony; or driving in any organized or scheduled race or speed test or while testing an automobile or any vehicle on any racetrack or speedway; or mental diseases or deficiencies without demonstrable organic disease; or injuries sustained by a dependent child while practicing for or participating in an organized competitive football game; or hernia, including injuries incurred while serving as an active member of the Military, Naval, or Air Forces of any country or combination of countries.  Upon notice and proof of service in such forces we will return the pro-rata portion of the premium paid for any periodof such service.  Disability benefits for injuries resulting from a sprained, strained or lame back or any intervertebral disc condition are limited to a maximum of three months for any one injury.

Termination Provision for Rider
The rider terminates and is no longer in force on the earliest day of:  the end of the grace period for the payment of the premium for the policy or the rider; or the date the policy terminates; or the next renewal date after the insured's request to terminate the rider.

Rider Exclusions and Other Limitations
The ridr does not pay disability benfits for conditions caused by or resulting from:  an act of war, whether or not declared, participation in a roit, insurrection or rebellion; or attempted suicide, while sane or insane; or any loss sustained or contracted in consequence of the insured's being intoxicated or under the influence of any narcotic unless administered upon the advice of a physician; or alcoholism, drug addiction or dependence upon any controlled substance; or mental illness without demonstrable organic disease; or voluntary inhalation of gas or fums; or dental or plastic surgery is requied to correct a disorder of normal body functions.

This flyer is for use in North Carolina.  Accident Insurance benefits provided by policy AP2 or state variations thereof.  AP2 is an accident only policy and does not bay benefits for sickness.  Outpatient Physician's Treatment Rider provided by rider APOPTR1, or state variations thereof.  Sickness Disability Income Rider provided by rider APDIR1, or state variations thereof.  The policy and riders are underwritten by American Heritage Life Insurance Company.  This brochure highlights some features of the policy and riders but is not the iinsurance contract.  Only the actual policy and rider provisions control.  The policy and riders set forth, in detail, the rights and obligations of both the insured and the Insurance company.  The policy is a limited benefit accident policy with optional riders.  The policy and riders are not a Medicare Supplement Policy.  If eligible for Medicare, review Medicare Supplement Buyer's Guide available from us.

Allstate is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a wholly-owned subsidiary of the Allstate Corporation.  copyright 2005 American Heritage Life Insurance Company.