Frequently Asked Questions



What is accidental death benefit?
The term accidental death benefit refers to a payment due to the beneficiary of an accidental death insurance policy, which is often a clause or rider connected to a life insurance policy.

What is an additional insured?
With insurance policies, an additional insured is a person or organization that enjoys the benefits of being insured under an insurance policy, in addition to whoever originally purchased the insurance policy.

What is a benefit period for Disability Insurance

The benefit period is the maximum amount of time the insurance company will pay any combination of total disability or partial disability monthly benefits in the event that you become totally disabled.  The longer your benefit period is, the more your monthly premium payments will be.

What is a certificate of insurance?
A certificate of insurance (COI) is a statement of coverage issued by the company that insures your business. Usually no more than one page, a COI provides a summary of your business coverage. It serves as verification that your business is insured. Potential clients may request a COI as a condition of doing business with you.

What is a claim?
An insurance claim is a formal request by a policyholder to an insurance company for coverage or compensation for a covered loss or policy event. The insurance company validates the claim and, if approved, issues payment to the insured or an approved interested party on behalf of the insured.

What is a declaration page?
The page (or pages) of a policy that specifies the named insured, address, policy period, location of premises, policy limits, and other key information that varies from insured to insured. The declarations page is also known as the information page.

What is a deductible?
In an insurance policy, the deductible is the amount paid out of pocket by the policyholder before an insurance provider will pay any expenses.

What is an exclusion?
An exclusion is any specified loss or damage that isn’t covered by the insured’s policy.

What is an insurance policy?
An insurance policy is a contract between the insurer and the policyholder, which determines the claims which the insurer is legally required to pay.

What is an insurance premium?
An insurance premium is the amount of money an individual or business pays for an insurance policy.

What does insured mean?
A person or organization covered by insurance.

What does insurer mean?
An individual or company who, through a contractual agreement, undertakes to compensate specified losses, liability, or damages incurred by another individual. An insurer is frequently an insurance company and is also known as an underwriter.

What is a policy lapse?
When all benefits to the policyholder cease and the policy is terminated due to non-payment of premium amount on the due date or even after the grace period. However, a lapsed policy may be revived by fulfilling the terms and conditions as per the policy statement.

What is primary insured?

A person who fills out and signs a request for insurance coverage is usually referred to as the primary insured or applicant. This person is generally the intended policyowner and is listed as applicant after a policy is issued.

What is a rider?
A rider is an insurance policy provision that adds benefits to or amends the terms of a basic insurance policy. Riders provide insured parties with options such as additional coverage.

What is a supplemental disability income rider?

The Supplemental Disability Income Rider will pay a monthly benefit less any social insurance benefits received, offset dollar for dollar, if you are totally disabled and the elimination period has been satisfied. Benefits will be paid until you are no longer totally disabled or to the end of the maximum benefit period, whichever is first. No benefits will be paid if social insurance benefits exceed the Supplemental Disability Rider monthly benefit amount.

What does totally disabled mean?

Total disability is the disability requirements necessary to receive benefits under a Disability insurance policy.  One example of a definition of Totally Disabled would require a sickness or injury which:

  • starts while this policy is in force;
  • requires a physician’s care unless the physician certifies maximum recovery;
  • for the first two years after the elimination period, keeps you from doing all the substantial and material duties of your own occupation; and
  • after benefits have been paid for two years, keeps you from doing all the substantial and material duties of any gainful occupation – an occupation, which fits you by education, training or experience and replaces at least 60 percent of your prior monthly income

What is underwriting?
Underwriting is the process through which an individual or institution takes on financial risk for a fee. 

What is a waiting period for Disability Insurance?

The waiting period (also called an elimination period) is the amount of time you must be totally disabled before you are eligible to receive your monthly benefit.  For example, if you select a 30-day waiting period, you must be totally disabled for 30 days before you become eligible for monthly benefits. The longer your waiting period is, the less expensive your monthly premium payments will be.



Can I increase or decrease my policy?

Yes, you can increase or decrease your policy. Simply send an email to with the type of policy you want to change and your contact information. We will arrange for this to be handled for you.

How can I change my address?
Simply send an email to with your name, the type of policy you have and your new address. We will arrange for this to be handled for you.

How can I submit a claim?

For Business Insurance —Email:; Phone: 405-310-1583

For Disability Insurance —Email:; Phone: 800-869-0355 Ext. 4484

For Accident Insurance or Life Insurance — Email:; Phone:  800-669-9030 



What is Accident Insurance?
Accident insurance is a type of insurance where the policy holder is paid directly in the event of an accident resulting in a covered injury of the insured. The insured can spend the benefit payment however they choose.  Accident insurance is complementary to, not a replacement for, health insurance.

What is Business Auto Insurance?
Business auto insurance helps cover physical damage and liability for accidents that happen while driving a business-owned vehicle or using a vehicle for business purposes.

What is a Business Owner’s Policy?
A business owner’s policy offers several insurance products rolled into one, generally targeted to small- and mid-size businesses. Business owners insurance typically includes property, business interruption, and liability insurance.

What is Commercial Property Insurance?
Commercial property insurance provides benefits to cover payable loss of income or revenue due to property loss..

What is Cyber Insurance?
Cyber insurance, also known as cyber liability insurance, covers your business in the event of a cyber-attack or data breach where customer information is impacted.

What is the difference between Accident and Disability Insurance?
Accident insurance is a type of financial product that pays out a lump sum if the insured incurs specific kinds of injury as a result of an accident.  Disability insurance pays the insured benefits for each month they remain disabled and serves as income replacement while the insured is unable to work due to a disability.

What is Disability Insurance?
Disability insurance is a type of insurance that will provide income in the event a worker is unable to perform their work and earn money due to a disability.  Statistics show more than one in four 20-year-olds today will be unable to work due to an illness or injury for 1 year or more during their life before retirement. (US Social Security Administration, Fact Sheet, 2018)

What is General Liability Insurance?
General liability is a type of insurance policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business’s operations, products, or injuries that occur on the business’s premises.

What is a Health Savings Account?
A health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan.

What is Identity Theft Protection?
 ID Protection helps people protect their personal information, such as usernames, passwords, and credit card numbers by alerting them of breached online services and by giving them specific instructions on how to recover from the challenge with minimum damage.

What is an Individual Retirement Account?
An individual retirement account (IRA) allows individuals to save money for retirement in a tax-advantaged way.  An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis.

What is Life Insurance?
With life insurance, essentially, in exchange for the insured’s premium payments, the insurance company will pay a lump sum known as a death benefit to the beneficiaries upon the death of the insured. The beneficiaries can use the money for whatever purpose they choose.

What is Professional Liability Insurance?
Professional liability insurance is insurance that protects professionals such as accountants, lawyers, physicians and others against negligence and other claims initiated by their clients. Professionals who have expertise in a specific area require this type of insurance because general liability insurance policies do not offer protection against claims arising out of business or professional practices such as negligence, malpractice, or misrepresentation.

What is Telehealth?
Telehealth is the use of communications technologies to provide health care from a distance. These technologies may include computers, cameras, videoconferencing, the Internet, and satellite and wireless communications.

What is Workers’ Compensation Insurance?
Workers’ compensation insurance is a type of business insurance that provides benefits to employees who suffer work-related injuries or illnesses. Specifically, this insurance helps pay for medical care, wages from lost work time and more.


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