The individual mandate under the Patient Protection & Affordable Care Act (“ACA”) generally requires individuals to maintain “minimum essential coverage” in 2014 and beyond, or be subject to payment of an annual “shared responsibility payment”, the amount of which is based, in part, upon the individual’s household income each year. The ACA’s “shared responsibility payment” has also been referred to from time to time as a tax and as a penalty, and is payable to the federal government. Specified Disease and Accident plans are exempt from the coverage and rating mandates of the ACA, do not provide comprehensive or major medical benefits, and therefore are not considered “minimum essential coverage” under the ACA. If an individual (a) does not receive an ACA exemption annually from the federal government for the individual mandate, or (b) does not maintain “minimum essential coverage” under the ACA for 9 or more consecutive months during each year, (including coverage under one of the following types of plans (i) an employer sponsored group health plan, (ii) a grandfathered health plan, (iii) a non-grandfathered health plan for which the government has granted a waiver of the individual mandate, or (iv) an ACA essential health benefits plan), he will be subject to the ACA’s annual “shared responsibility payment”, even if covered under one of the PremierChoice plans. For additional information on the individual mandate, “shared responsibility payment”, exemptions from the mandate and other matters concerning the ACA, please visit www.healthcare.gov, the federal government’s website.

LifeProtector Term Life Insurance

Provide peace of mind for your loved ones

SecureDental Dental Insurance

A healthy smile is priceless

MedGuard Critical Illness Protection Filling the gap between

health coverage and life insurance

IncomeProtector Short-Term Accident Disability Insurance

Protect against the unexpected

Accident Protector Excess Medical

Accident Insurance Extra coverage for life’s unpredictable mishaps

Complete Your Protection With Our Optional Supplemental Coverages

Insurance Underwritten by Freedom Life Insurance Company of America

As a member of the American Independent Business Coalition, You have the right to apply for coverage under one of Freedom Life Insurance Company of America’s Medical Plans issued to the Association, including the PremierChoice Sickness plans and the Accident plans. Each plan has three levels of coverage to choose from, which are designed to meet Your individual needs and budget. All coverage is subject to underwriting review and approval before it is issued.

If you already have essential health benefits coverage, PremierChoice Sickness and Accident plans can supplement the coverage you already have. If not, the PremierChoice Sickness plans can give you the ability to increase your coverage if and when you decide your circumstance requires it with the Optional Guaranteed Short-Term Insurability Rider. While the PremierChoice plan and the Optional Guaranteed Short-Term Insurability Rider are in full force and effect, You have the right to purchase Our PremierMed Short-Term Medical-Surgical Expense plan with NO ADDITIONAL UNDERWRITING.

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Why Choose Us

ExpEriEncEdOver 50 collective years of industry experience and over 15 MILLION customers served.

dEpEndablEOver 1 billion dollars in CLAIMS PAID!

convEniEntPERSON TO PERSON CUSTOMER SERVICE with Dedicated PROFESSIONAL Licensed insurance agents to assist You!

The PremierChoice Difference

*The Premium Rate Guarantee Period may not be available in all states or on all products. The Premium Rate Guarantee Period does not apply to any rate change due to: change of address; addition of Insureds; change of benefits or options; change of Mode Of Premium Payment; group policy coverage, benefits, limitation or exclusion changes; or any future requirements of any federal or state law.

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• In the event You need additional protection, the purchase of PremierChoice Specified Disease Sickness (“Sickness”) and the Optional Guaranteed Short-Term Insurability Rider provides You with a one-time right to purchase Our PremierMed Short Term Medical-Surgical Expense plan on a guaranteed issued basis, without regard to the Insured’s health status or medical conditions, and without any medical underwriting coverage.

• The Premier Choice Sickness and Accident plans pay in addition to any coverage You have in force - even an essential health benefits plan.

• First Dollar Benefits! The Premier Choice Sickness and Accident plans allow You to receive first dollar payments for expenses incurred up to a benefit maximum for covered healthcare services. And with the special doctor office visit “rollover” feature in each Sickness plan, if You don’t use Your benefits, You don’t lose them.

• No Calendar Year Deductible to Satisfy! PremierChoice Sickness and Accident plans supplement an essential health benefits plan under which You must first satisfy a deductible every year before You are eligible to receive benefit payments.

• The PremierChoice Sickness plans and Accident plans are insurance plans which provide benefits on an expense incurred basis up to a maximum daily/monthly/visit/prescription/annual amount for covered services and are neither “essential health benefits plans” under the ACA, traditional major medical insurance plans, nor Workers compensation plans under state law. PremierChoice Sickness plans and Accident plans are “excepted benefit plans” under the ACA, and are not considered “minimum essential coverage”.

May not be available in all states. Exclusions & limitations apply. Different plan provisions may apply in certain states. See your brochure for a brief description of Benefits available.

Why Choose