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You automatically receive the following benefits when you select added coverage:
Return of Premium Benefit – Your beneficiary will receive a benefit of up to the last five years of paid premium if insured's death is due to natural causes.
Adaptive Home and Vehicle Benefit – Coverage pays to adapt the insured's home or vehicle to accommodate a total and permanent accidental disability resulting from a covered loss. Pays the actual cost up to the lesser of $2,500 or 2% of additional coverage.
Air Bag Benefit – A benefit in an amount equal to the lesser of $25,000 or 25% of additional coverage if a covered accidental death occurs as a result of an auto accident, and the car was equipped with air bags, and the insured was wearing a seat belt.
Motorcycle Helmet Benefit – An additional benefit of $10,000 will be paid if accidental death occurs as a result of injuries sustained in a covered accident while riding on or driving a motorcycle and while wearing a motorcycle helmet. The driver must be a licensed motorcycle driver and not intoxicated, impaired, or under the influence of alcohol or drugs.
Please refer to your Summary of Benefits, or once insured, your Insurance Coverage Document for specific details.