What EMA Perm Term 20 Life?

The Group Term Life Insurance benefits included in your EMA Membership can help provide financial security for your family. You can also apply for coverage for your spouse and eligible dependent children with limited health questions. The Emergency Management Alliance (EMA) Perm Term  20 offering a membership plan that includes:

·$20,000 Term Life Insurance,

·$20,000 Accidental Death and Dismemberment (ADD) Insurance which a member can add ADD coverage for their spouse and dependent children with the family plan.

HOW EMA Perm Term 20 Term Life Works?

The EMA Perm Tea 20 offering membership are age banded and provide an economical way to address personal life insurance needs. Member and spouse initial membership payments are based on current age and do not increase due to age. It has benefit waiting periods, so the

Term Life Insurance benefits are not effective until the 1^st of the month following 11 months of continuous paid Membership. AD&D benefits go into effect on the Active Date of the Membership.

It has a matching Accidental Death and Dismemberment Benefits provides an amount of Accidental Death and Dismember Benefit equal to the amount of Term Life Insurance. Primary Members receive $20,000 in Accidental Death and Dismemberment benefits in addition to the Life Insurance Benefits. A covered accidental death by the. Primary Member would pay $20,000 AD&D + $20,000 Life Insurance for a total of $40,000 in actual benefits. understand. Please don`t hesitate to call us with your questions, no matter whether you are a valued customer, a potential one, or if you simply need advice.

How Do You Qualify For EMA Perm Term 20 Life?

EMA Members and dependents do not qualify for the Term Life Insurance Benefit. If they answer YES to any of the following questions at the time of enrollment:

1.Has the enrolling member or enrolling spouse or child been diagnosed as Terminally Ill? Terminal illness is a disease that cannot be cured or adequately    treated and that is reasonably expected to result in the death of the patient.)

2.Is the enrolling member, spouse or child confined to a Hospital, Hospice Facility or any Assisted Living  Facility?

3.Is the enrolling member unable to work a minimum of 20 hours or more per week on a regular basis?

Benefit Reduction Due to Age

When a Member turns 70, coverage reduces to 65% of the face amount in effect just prior to age 70. When an Member turns 75, coverage reduces to 50% of the face amount in effect just prior to age 70. Policies issued to individuals over age 70 initially are automatically reduced in accordance with the schedule above. Spouses experience the same reduction schedule, but it is based on the spouse's age.

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Who is EMA?

The Emergency Management Alliance (EMA) is a nonprofit membership-based association. It offers its members access to a variety of insurance products, benefit options, and emergency assistance services.  EMA’s mission is to enhance public safety by improving its members’ ability to be prepared for, respond to, and recover from medical emergencies, disasters, and accidents.

EMA Association Membership Benefits

Because the EMA program life insurance comes with an association membership, there are some extra perks. (You’re automatically enrolled in the association membership upon signing up for the guaranteed issue life insurance.)