Product Notes

Medicare Supplement

Notice: Neither Bankers Fidelity Life Insurance Company® or Bankers Fidelity Assurance Company™ nor its Medicare Supplement policies are affiliated with or endorsed by the U.S. Government, the federal Medicare program, or the Centers for Medicare and Medicaid Services. This is a solicitation of Medicare Supplement insurance and an independent agent may call on you.

The Medicare Supplement products issued by the Company are insurance policies. Policy form series B 21092 is issued by Bankers Fidelity Life Insurance Company®, Atlanta, GA; policy form series B 21492 is issued by Bankers Fidelity Assurance CompanyTM, Atlanta, GA. Limitations and exclusions apply; actual policy provisions control. Rates subject to change on a class basis. Individually underwritten; application to determine eligibility required. Plans are available to all persons eligible for Medicare, including the availability of certain plans to persons under age 65 and eligible for Medicare due to disability in certain states. 

Regarding Pre-existing Conditions: A pre-existing condition is a medical condition, not disclosed on the application for this policy, for which medical advice or treatment was recommended by or received from a Physician prior to the effective date of the policy or for which symptoms existed prior to the effective date of the policy which would cause an ordinarily prudent person to seek diagnosis, care or treatment. 

Renewability: Your policy is Guaranteed Renewable for life as long as you pay your premiums on time, either in advance or during the Grace Period, and there are no material misrepresentations on the application for coverage. 

For Idaho residents only: The Medicare Supplement products issued by the Company are insurance policies. Policy B 21092 A ID, B 21092 F ID, B 21092 F2 ID, B 21092 G ID, and B 21092 K ID is underwritten by Bankers Fidelity Life Insurance Company®, Atlanta, GA. Limitations and exclusions apply; actual policy provisions control. 

Products not sold in AK, CA, CT, FL, MA, MN, NH, NY, OR, RI, VT, WA or WI. Plan availability can vary by state.

Bankers Fidelity Life Insurance Company® and subsidiaries. 4370 Peachtree Rd NE, Atlanta, GA 30319


Short-Term Care (Vantage Recovery®)

Short-Term Care Nursing Facility Confinement Policy† form B 21702 underwritten by Bankers Fidelity Life Insurance Company®, Atlanta, GA. Limitations and Exclusions apply; actual policy provisions control. Rates subject to change on a class basis. Application to determine eligibility required. Product availability and benefits may vary by state. Bankers Fidelity Life Insurance Company is not affiliated with or endorsed by the U.S. Government, the federal Medicare program or the Centers for Medicare and Medicaid Services.

THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.

Short-Term Care Nursing Facility Confinement Insurance† is not Medicare Supplement insurance nor is it a substitute for Medicare Supplement insurance. This policy provides, to persons insured, coverage in the form of a fixed daily benefit during periods of confinement in a nursing facility resulting from a covered accident or sickness, subject to any limitations, deductibles and elimination periods set forth in the policy. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance. If you are eligible for Medicare, please read the Guide to Health Insurance for People with Medicare available from the Company.

†Limited Benefit Nursing Facility Confinement Policy for residents of Illinois.

For Idaho residents only:  The form number for the Policy is B 21702 ID, Optional Riders B 21702 R1 HHC ID (Home Health Care Rider) and B 21702 R3 HHD ID (Household Premium Discount Rider).

This is a solicitation of insurance and an independent agent may call on you.

Product not sold in AK, CA, CT, FL, MA, MN, NH, NY, OR, RI, SD, VT, WA, or WI.

Bankers Fidelity Life Insurance Company®. 4370 Peachtree Rd NE, Atlanta, Georgia, 30319


Hospital Indemnity Policy (Vantage Flex 65®)

A Hospital Indemnity Policy is not Medicare Supplement insurance nor is it a substitute for Medicare Supplement insurance. A Hospital Indemnity Policy pays a fixed dollar amount, regardless of expenses, for each day you meet the policy conditions. It does not pay Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance. If you are eligible for Medicare, please read the Guide to Health Insurance for People with Medicare available from the Company.

 

Bankers Fidelity Life Insurance Company® is not affiliated with or endorsed by the U.S. Government, the federal Medicare program, or the Centers for Medicare and Medicaid Services.

 

A HOSPITAL INDEMNITY Policy IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES.

 

Hospital Indemnity Policy † form series B 21602 underwritten by Bankers Fidelity Life Insurance Company®, Atlanta, GA.  Limitations and exclusions apply; actual policy provisions control. Rates subject to change on a class basis. Application to determine eligibility required. Product availability and benefits can vary by state. This is a solicitation of insurance and an independent agent may call on you.  


† Individual Hospital Indemnity Policy for residents of Georgia, Limited Benefit Supplemental Health Insurance for residents of Missouri, Individual Supplemental Indemnity Policy for residents of Colorado

 

For Idaho residents only:  The form number for the Policy is B 21602 ID.

For Missouri residents only: The form number for the Policy is B 21602(rev16) MO.

For Pennsylvania resident only: The form number for the Policy is B 21602 PA, Optional Riders B 21602 R1 PA, B 21602 R2 PA, B 21602 R3 PA, B 21602 R4 PA, B 21602 R5 PA, B 21602 R6 PA, B 21602 R7 PA, B 21602 R8 PA, B 21602 R9 PA


Bankers Fidelity Life Insurance Company®. 4370 Peachtree Rd NE, Atlanta, Georgia, 30319


Final Expense Life Insurance

Level Benefit Whole Life Insurance policy form series ICC19 B 21901 or Graded Death Benefit Whole Life Insurance policy ICC19 B 21902 is underwritten by Bankers Fidelity Life Insurance Company®. Limitations and exclusions apply; actual policy provisions control. Application to determine eligibility required. Product availability and benefits can vary by state. Bankers Fidelity Life Insurance Company® 4370 Peachtree Rd. NE, Atlanta, Georgia, 30319

 

*Optional Accelerated Death Benefit is automatically included on Preferred and Standard plans. Not available on Graded Deat plan. PAYMENT OF BENEFITS UNDER THE ACCELERATED DEATH BENEFIT RIDER WILL CREATE A LIEN AGAINST THE DEATH BENEFIT OF THE POLICY TO WHICH IT IS ATTACHED IN AN AMOUNT EQUAL TO THE ACCELERATED DEATH BENEFIT OF THE POLICY TO WHICH IT IS ATTACHED IN AN AMOUNT EQUAL TO THE ACCELERATED DEATH BENEFIT THAT WAS PAID UNDER THIS RIDER. THE DEATH BENEFIT PAYABLE AT THE INSUREDS DEATH WILL BE FIRST REDUCED BY THE AMOUNT OF ANY OUTSTANDING LIEN. 


Level Term Life Insurance

Level Term Life Insurance policy form series B 20601 underwritten by Bankers Fidelity Life Insurance Company®, Atlanta, GA. Limitations and exclusions apply; actual policy provisions control. Application to determine eligibility required. Rates subject to change. Product availability and benefits can vary by state.

Bankers Fidelity Life Insurance Company®. 4370 Peachtree Rd NE, Atlanta, Georgia, 30319


Lump Sum Cancer Insurance (Vantage Care™)

Lump Sum Cancer Insurance Policy form series B 21904 underwritten by Bankers Fidelity Life Insurance Company®. Limitations and exclusions apply; actual policy provisions control. Rates subject to change on a class basis. Benefits are not payable for any Cancer or other condition diagnosed within the first 30 days after the effective date of the policy. Refer to Outline of Coverage B 21904 OC for additional product details. Application to determine eligibility required. Product availability and benefits can vary by state. THE POLICY PROVIDES SUPPLEMENTAL LIMITED COVERAGE FOR SPECIFIED DISEASES ONLY AND IS NOT A SUBSTITUTE FOR COMPREHENSIVE HEALTH OR MAJOR MEDICAL INSURANCE, NOR IS IT INTENDED TO COVER ALL MEDICAL EXPENSES.