Life & Critical Illness Disclaimers

*Not available in: AK, CT, HI, MD, ME, MT, NH, NJ, NV, NY, VT and WA

IMPORTANT NOTICES AND DISCLAIMERS

Plan benefits – This is a brief description of the benefits and exclusions available with a Premier membership in Communicating for America, Inc. Insurance coverages outlined in this brochure are provided under the master Group Policy (GAO-P-1207) issued to Communicating for America, Inc., the master group policyholder. For completed details, refer to the Group Critical Illness Certificate of Insurance (GAO-CI-C-1207), the Group Accident Certificate of Insurance (GAO-ACC-C-1207) or the Group Term Life Certificate of Insurance (GAO-TL-C-1207).

Availability – Premier memberships are not available in all states. Availability is subject to change.

Insurance carrier – Madison National Life Insurance Company, Inc. is a wholly-owned subsidiary of Independence Holding Company, a NYSE listed corporation (Symbol IHC) with principal interests in the life and health insurance business.  Founded in 1961, and is headquartered in Madison Wisconsin, with operations in Austin, Texas. It is licensed in 49 states, American Samoa, the District of Columbia, Guam, and the Virgin Islands, and is an authorized reinsurer in the State of New York. Madison National Life is rated A-(Excellent) by A.M. Best, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet their obligation to their insureds.

Association Membership – Communicating for America, Inc (CA)
Communicating for America, Inc. (CA) is a national nonprofit association founded in 1972. Originally founded as an advocate for the self-employed and rural members, CA has evolved into one of the largest and most respected association in the country with members in communities of all sizes. Along with a legislative voice on important issues in Washington, D.C., CA provides high quality, valuable member benefits. CA is not compensated by Madison National Life Insurance Company, Inc.

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