As a special "thank you" for your service as a valued Moose Member, you're entitled to enroll in up to $5,000.00 in NO COST MooseGUARD benefits. But your Confirmation is REQUIRED for full activation. Your benefit of up to $5,000.00 will be paid for a fatal covered accident that occurs while at a Moose sanctioned event, or on Moose Lodge premises. For all other covered accidents a benefit of $2,500.00 will be paid to anyone you designate.

Up to $5,000.00 NO COST Accidental Death Insurance Member Only Benefit: Your loved ones will receive a check up to $5,000.00 if you suffer a fatal covered accident. You pay nothing for this benefit.

You're covered 24 hours a day, anywhere in the world for all covered accidents. You're protected:

• In a private vehicle such as a car, truck or RV
• On a plane, bus, train, ship, ferry or taxi
• On a motorcycle
• On a bicycle
• As a pedestrian
• In and around your home
• At work
• At recreation such as hunting, backpacking, boating, camping, climbing and more

But it's important to confirm your up to $5,000.00 NO COST MooseGUARD benefits today.

Click Here for information on your NO COST MooseGUARD coverage.

MO19681/19682.Overview

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As a Moose Member, you're now entitled to enroll in up to $5,000.00 in NO COST Accident coverage. This is an important base benefit extended to valued Members - compliments of MooseVIP Insurance Program.

Benefit of up to $5,000.00
If an accidental death occurs while at a Moose sanctioned event, or on Moose Lodge premises, $2,500 for all other covered accidents.

Plus, EXPANDED Accident Benefits Extended on Guaranteed
But as important as your up to $5,000.00 no cost MooseGUARD benefit is, this complimentary coverage is only a start. That’s why MooseVIP negotiated EXPANDED cash benefits – giving you even more protection against covered accidents.

Now you can also add $25,000.00 or $50,000.00 in expanded accident benefits to help protect you against covered accidents while driving to work … traveling for business … taking a vacation with your family … working on projects around the house … and much more.

You and your spouse are GUARANTEED the right to EXPANDED accident benefits as long as you’re under age 74. No matter what your health … occupation … driving record … or previous accidents, you cannot be turned down.

Pays REGARDLESS OF Any Other Insurance
In addition to working seamlessly with your NO COST MooseGUARD accident privileges, your Expanded benefits are paid REGARDLESS of any employer or other group coverage you may have in the event of a covered accident.

That means you can rest assured your loved ones will collect the full amount of MooseGUARD cash benefits you chose to enroll in. It’s an easy way to help make sure your family could get a fresh start – instead of worrying how they’d pay the bills – if a covered accident takes your life.

MO19681/19682.Benefits

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As a special "thank you" for your service through the Loyal Order of Moose, you’re automatically able to enroll up to a $5,000.00 benefit at NO COST to you.

But as valuable as these COMPLIMENTARY benefits are, many Moose families need even higher benefits. That’s why Moose VIP negotiated EXPANDED cash benefits – giving you more protection against all covered accidents.

And the cost? Members tell us our competitive MooseGUARD group rates are why many choose $50,000.00 EXPANDED accident benefits.

Quarterly Rates for Expanded Benefits

You may also have the option of paying your premiums once a year (annually), twice a year (semi-annually), or four times a year (quarterly). If you pay your premiums monthly, quarterly or semi-annually, the total amount of premiums you pay in a year may be higher than if you make one annual payment. If you are interested in learning more about these payment options, please refer to your fulfillment package for details.

Rates will include a $2.00 administrative fee if paying by credit card or a $1.00 administrative fee if paying by automatic checking withdrawal. Rates and/or benefits may be changed on a class basis.

Your NO COST TO YOU coverage will remain in force for as long as you remain a Moose Member in good standing and Master Policy is in force.

Your Expanded Accident coverage starts the first day of the month after your enrollment form and first premium payment are received. You cannot be singled out for cancellation, a benefit decrease, or an increase in your premiums due to a change in your health or occupation. Rates can only be increased for an entire class of insured persons, not on an individual basis.  Your benefits will continue in full force as long as you pay your premiums on time, remain a Moose member in good standing, and the Master Policy remains in force. Coverage for all insureds (whether member or spouse) will end when the Member reaches age 75.

Your Payment Options:  You have the option of paying your premiums annually, semi-annually, quarterly and monthly. The total amount of premiums you pay in a year may be lower if you make one annual payment.  If you are interested in learning more about these payment options, please refer to your fulfillment package for details.

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Download the NO COST MooseGUARD Accident Protection Schedule of Benefits for additional information.

The MooseGUARD Accident Plan cannot pay a benefit for a loss which is caused by, results from, or contributed by: Suicide, attempted suicide or intentionally self-inflicted injury, while sane or insane (in Missouri and Colorado while sane) declared or undeclared war or any act of war; full-time military service; participating in a riot; committing an assault or felony; sickness or its medical or surgical treatment, including diagnosis; bacterial infection except through wound accidentally sustained; operating or riding in any kind of aircraft except as a fare-paying passenger on a regularly scheduled commercial flight or as a passenger in a transport plane operated by the Air Mobility Command (AMC) of the United States of America; alcohol intoxication, as defined in the state where the accident occurred; taking of any drug, medication, narcotic or hallucinogen, unless as prescribed by a physician; taking of alcohol in combination with any drug, medication or sedative; voluntary gas inhalation or poison voluntarily taken, administered or inhaled; riding or driving as a professional in any kind of race for prize money or profit.

Loss must occur within 365 days of the accident to be covered.

HOW BENEFITS ARE PAID Benefits for loss of life are payable to your beneficiary. If no beneficiary has been named, benefits will be paid to: your spouse; your children; your parents; your siblings; or your estate (in that order). Benefits for loss of your spouse’s life are payable to you.

FULL TERMS AND CONDITIONS ARE IN THE CERTIFICATE OF INSURANCE These materials explain the general purpose of the insurance described, but in no way change or affect Master Policy MZ0925572H0000A-1A as actually issued. In the event of a discrepancy between these materials and the policy, the terms of the policy apply. Complete details are in the Certificate of Insurance issued to each insured individual. Benefits may vary and this program may not be available to residents of all states. Some expanded benefits may not be available in all states. Premiums for the no-cost insurance are paid by MooseVIP as a benefit of your membership.

AL, WV
"Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution fines or confinement in prison, or any combination thereof."

AR/DC/LA
"Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in application for insurance is guilty of a crime and may be subject to fines and confinement in prison."

CO
"It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies."

FL
"Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree."

GA, OH, VT
"Any person who knowingly presents false information in an application for insurance or life settlement contract is guilty of a crime and may be subject to fines and confinement in prison."

KY
"Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime."

ME, VA, WA
"It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits."

MD
"Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison."

NJ
"Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties."

NY
"Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation."

NM
"Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties."

NC, ND
"Any person who knowingly presents false information in an application for insurance or viatical settlement contract or a viatical settlement purchase agreement is guilty of a felony and may be subject to fines and confinement in prison."

OK
"WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony."

PA
"Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties."

PR
"Any person who knowingly and with the intention of defrauding presents false information in an insurance application, or presents, helps, or causes the presentation of a fraudulent claim for the payment of a loss or any other benefit, or presents more than one claim for the same damage or loss, shall incur a felony and, upon conviction, shall be sanctioned for each violation with the penalty of a fine of not less than $5,000 and not more than $10,000, or a fixed term of imprisonment for 3 years, or both penalties. Should aggravating circumstances are present, the penalty thus established may be increased to a maximum of 5 years, if extenuating circumstances are present, it may be reduced to a minimum of 2 years."

RI
"Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison."

TN
"It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits."

CT, HI, IL, IA, KS, MA, MI, MS, MO, MT, NE, NV, SC, SD, UT, WI, WY No provision

Offered by: Association Group Insurance Administrators

Underwritten by: Transamerica Premier Life Insurance x`Company, Cedar Rapids, IA

Administered by: A.G.I.A., Inc.
P.O. Box 26860, Phoenix, AZ. 85068-6860
Questions? Call toll-free 1-800-395-7881

How does this Expanded coverage work with my NO COST MooseGUARD Accident privileges?
MooseGUARD made sure your NO COST Accident privileges and your Expanded Accident coverage work together seamlessly – help give you a financial safety net for your family. Your benefits will not be reduced as a result of any other insurance you may have from an employer or another group. Rest assured … your loved ones would receive the full amount they’re entitled to if you fall victim to a covered accident.

Will I need to fill out a long form or get a physical from my doctor to sign up?
No. These Expanded MooseGUARD benefits are extended to you on a guaranteed basis. There is no long form with complicated health questions to worry about. No medical exam is ever required. Just fill out the short form on this website to activate your MooseGUARD Expanded accident benefits today.

Is there any way I can be turned down for Expanded benefits?
Not as a Moose member under age 74. You and your spouse are GUARANTEED ACCEPTANCE in this Expanded benefit program – regardless of your health history, current occupation, or hobbies.

What if I decide these Expanded Benefits aren’t right for me?
There’s no risk with the program’s 100% Money-Back Offer. As soon as you sign up, we’ll send you a Certificate of Insurance. Look it over for a full 30 days. If you’re not completely satisfied, just let us know. We’ll cancel your coverage and give you a complete 100% refund of any premium you’ve paid as long as you haven’t made any claims during that time.

MO19681/19682.FAQS

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