INSURANCE PLANS DESIGNED WITH LOCAL AGENTS IN MIND

Since 1969, independent insurance agents have been enjoying the advantage of products offered by the PIA Services Group Insurance Fund (also known as the PIA Trust). PIA members and their employees can choose from high-quality, competitively-priced insurance plans to help protect themselves and their families. All of the insurance products can be customized to match the insured’s individual needs. Your employees may apply for all of the plans without your participation (except for Basic Life). These plans are administered by Lockton Affinity.

Term Life Insurance

Expenses continue for your family if something happens to you. You can help protect their financial future with life insurance.

Basic Life Insurance

$50,000 of Basic Life Insurance is available to Agency Owners/Managers. This Basic Life coverage is also available for employees (up to $30,000 with 100% participation of eligible employees and employer pays 100% of the premium.) There is no medical underwriting.

If you have Basic Life coverage, you can add your Dependent Spouse for the same coverage level as you have purchased. You also can purchase Basic Life coverage for your children. Both of these coverages are not medically underwritten.

Member agencies are not responsible for the cost of Spouse and/or Dependent Basic Life Plans.

Supplemental Life Insurance

Additional term life insurance up to $500,000 is available through the Supplemental Life Insurance Program (medically underwritten). If you have Basic or Supplemental Life, Dependent Term Life Insurance is also available up to $100,000 for spouses (medically underwritten) and $10,000 for children (not medically underwritten).

Accidental Death & Dismemberment

If you suffer an injury which results in a loss of life or limb, the coverage will pay the sum as outlined in the policy for the Loss provided the accident that caused the Loss occurred while covered under this benefit; and except for loss of life, the Loss occurs within the 365 day period immediately after the date of the accident.

Your acceptance is guaranteed! There is no medical exam and no medical questions.

Short Term Disability

“If you are unable to perform the material and substantial duties of your occupation, this coverage can help fill the income gap before your long term disability benefits begin. You may choose up to $1500 per month for a period of 9 or 22 weeks to create a seamless transition from Short Term Disability to Long Term Disability benefits. This plan is medically underwritten.

Long Term Disability

Consider how you would manage if a long-term disability reduced your earning power. If you become disabled this plan can help replace up to 60% of your lost income on the base plan and up to 100% in the event of a catastrophic disability. The base plan offers monthly benefit amounts to $8,000. There is no medical underwriting up to $4,000, however disability income benefits are subject to a preexisting condition limitation.

For more information about the Trust Insurance plans, please contact Lockton Affinity, the Plan Administrator at 1-800-336 4759.

Additional information is also available online at www.piatrust.com

*PIA National membership, when requred, must be current at all times. Policies or provisions may vary or be unavailable in some states. Policies have exclusions or limitations which may affect any benefits payable.