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CIC-A2-PRES
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Accidents a fact of life

• According to the National Safety Council
• 66 of all accidents occur off-the-job.
• More than 23.8 million injuries required medical
  attention in 2003.
• In 2004, over 82 of all costs due to accidental
  injuries were non-medical costs and expenses.

National Safety Council, Injury Facts, 2005-2006
Edition, p2, p23, p4 The above facts represent
U.S. population, are for information only and do
not imply coverage under the policy or
endorsement of the company or the policy by the
cited sources.
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But thats only one piece of the puzzle.

• Also consider
• Workers compensation only covers injuries that
  occur on the job.
• Major medical plans may cover only routine
  medical expenses for accidents or disability,
  leaving uncovered costs such as copays and a host
  of other expenses for you to pay out of your own
  pocket.
• Loss of income due to disability can strip you of
  your wealth and the lifestyle to which youre
  accustomed.
• An accident plan is a great supplement to a
  high-deductible health plan.

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The bottom line

• There are TWO basic costs associated with
  accidents.
• MEDICAL EXPENSES
• Costs typically covered by standard medical
  insurance, such as doctor and hospital bills
• NONMEDICAL EXPENSES
• Unavoidable expenses that may come out of your
  own pocket.

The benefits described in the policy do not cover
all nonmedical expenses. However, the benefit
payment you receive can be used to pay any of
your medical or nonmedical costs not paid by any
other insurance.
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How would YOU pay for unexpected costs?

• Spend your savings
• Sell off assets
• Preserve resources by acquiring supplemental
  accident insurance.

Supplemental insurance can help!
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TWO important issues to consider

• NEED
• If you had an accident, can you budget for
• Nonmedical expenses
• Loss of income or savings
• Insurance shortfalls
• AVAILABILITY
• Accident Secure Plus is accessible and the
  premiums are designed to fit into just about any
  budget without a change in lifestyle.

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• TWO easy options

• OPTION 2 24-HOURACCIDENT DISABILITY BENEFIT
• Covers you 24 hours per day, even while youre at
  work

• OPTION 1 OFF-THE-JOB
  ACCIDENT DISABILITY BENEFIT
• Covers you when an accident occurs away from
  work, rendering you disabled

With either option, choose 500, 1,000, 1,500
or 2,000 based on income requirements
Both choices offer coverage for the policyowner
for up to 12 months and are guaranteed renewable
to the age of 70. The policyowner must be
disabled within 90 days of a covered accident,
being cared for on a regular basis by a
physician, be employed at least 27.5 hours at the
time of the covered accident, and not be engaged
in any employment or occupation for pay, benefit
or profit. Available via worksite sales and
primary applicant only. Premiums are based on
level of coverage selected.
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Accident benefits

• Accidental death
• When the death of an insured occurs within 90
  days of a covered accident
• Type of accident Level 1 Level 2
• Common carrier 100,000
  150,000
• Motorized vehicle or pedestrian 75,000
  125,000
• Other accidental death 50,000
  75,000

Premiums are based on level of coverage selected.
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Accident benefits

• Dismemberment
• When dismemberment occurs within 365 days after a
  covered accident
• Type of Dismemberment Level 1
  Level 2
• One finger or toe
  1,250 2,000
• More than one finger and/or toe
  1,500 2,500
• One eye, hand, foot, arm or leg
  7,500 12,000
• More than one eye, hand, foot, arm or leg
  25,000 40,000
• Benefit amounts are shown at maximum levels.

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Accident benefits

• Specified injury
• For injuries that occur as a result of any
  covered accident
• The injury must be diagnosed and treated by a
  physician within 90 days of the accident

• Type of injury
• Fracture
• Dislocation
• Laceration
• Burn
• Injuries requiring surgery
• Paralysis

72 hours for lacerations and burns 60 days
for ruptured disc, torn cartilage or hernia
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Accident benefits

• Additional benefits
• Physicians
• Emergency room
• Hospital confinement/ICU visit/Physical therapy
• Ambulance Ground/Air services
• Prostheses
• Transportation/Family lodging
• Blood Plasma
• Medical imaging/ Medical appliances

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Optional riders

• Sickness Disability
• Public Safety
• Return of Premium/Cash Value

All riders are optional and have an additional
cost subject to state availability.
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Sickness Disability rider
500, 1,000, 1,500 or 2,000 per month (All
benefit payments under this rider are subject to
a 14-day elimination period for each sickness.)

• For a covered sickness, we will pay a monthly
  benefit for up to 12 months when the policyowner
  is
• Employed at least 27.5 hours per week at the time
  the sickness is diagnosed
• Totally disabled
• Not engaged in any employment or occupation for
  pay, benefit or profit during the period of
  sickness and
• Being cared for on a regular basis (at least
  monthly) by a physician.

Guaranteed renewable to the age of 70. This
rider is only available with Accident Disability
Coverage. Based on income requirements.
Available via worksite sales and for primary
applicants only.
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Public Safety rider

• Law enforcement officers, correction officers or
  firefightersreceive a 2,000 benefit for gunshot
  wounds received while in the line of duty.
  Treatment by a physician in a hospital within
  24-hours.

Available via worksite sales, for primary
applicant only,
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Your premium return advantage
This example is for illustration purposes only.
It is not complete and does not include a
complete description of benefits or the
limitations and exclusions of those benefits.
Please refer to your original certificate or
product brochure, or ask your agent for more
complete details. This is not a state-specific
comparison. Not all benefits are available in all
states.
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Our assurances

• Your benefits are paid directly to you or to
  whomever you choose, unless otherwise required.
• Your benefits have no lifetime maximum limits,
  and are renewable as long as premiums are paid.
• Your benefits are paid regardless of any other
  insurance you carry.

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THE CONSECO INSURANCE COMPANIES

• Providing security and protection
• One of Americas largest supplemental insurance
  companies
• More than 2 million supplemental insurance
  policyholders

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PROTECT YOUR MOST VALUABLE ASSET-YOUR INCOME!

• Two simple plans
• Accessible for most budgets
• Optional riders for additional coverage