American Express的Account Protector 值得申请吗？看不大懂，不知道有没有陷阱。
AMEX® Account Protector Ultimate1 can protect your balance for up to $20,000 if you experience a loss like unemployment, illness or death. You can also receive two Monthly Payment* benefits toward your balance to mark special occasions, such as marriage, retirement or the birth of a child!
Coverage costs $0.99 per $100 of your current month’s outstanding balance** (plus applicable taxes) and is reduced to $0.69 per $100 after your 70th birthday.
The coverage amount may vary. Please note you can cancel this insurance at any time by calling Assurant®.
Your full balance can be paid, up to a maximum $20,000 for amount owing:
- Life: at time of death
- Accidental Death or Dismemberment: at time of accident causing loss
- Critical Illness: at time of diagnosis of heart attack, stroke, cancer and coronary artery disease (bypass surgery) and survive the initial diagnosis for at least 30 days
- Disability Requiring Hospitalization: on the date of hospitalization if hospitalized more than 24 hours due to accidental bodily injury or sickness
- Loss of Self-Employment Income: on the date of closure of business if unemployed for at least 90 days due to closure of business for financial reasons
Monthly Payments can be paid up to a maximum of $20,000 in cases of:
- Total Disability: if you are unable to work due to total disability, from date of total disability up to 90 days; if disabled for more than 90 consecutive days the remaining insured balance owing can be paid
- Positive Life Events: 2 Monthly Payments*, upon purchase of a home, marriage, child’s marriage, birth/adoption of a child, child enters college or university for the first time
- Involuntary Unemployment: at date of involuntary unemployment where you were working at least 25 hours per week with a single employer and Your involuntary unemployment continues beyond the 30-day Waiting Period; if involuntarily unemployed for more than 90 consecutive days the remaining insured balance owing can be paid
Coverage excludes:
- Critical Illness resulting from a Pre-Existing Condition
- Unemployment from seasonal, temporary, contract or part-time employment (less than 25 hours per week).
- Loss of self-employment income due to closure of business within 12 months of the effective date, willful or criminal misconduct; or voluntary forfeiture of wages or income.
- Disability, requiring Hospitalization in facilities for treatment of mental illness, aging, drug addiction, or alcoholism and in facilities outside of Canada or the United States.
This program is provided by Assurant®. Before you enroll, it is important that you read the Certificate of Insurance, and Distribution Guide (for Quebec residents only), which outline the full terms, eligibility, benefits, limitations and exclusions of this product. Assurant respects your privacy, please review Assurant’s Privacy Policy.
*Please refer to the Certificate of Insurance for more details on Monthly Payments.
**Outstanding balance equals the total amount owing on the account as of the statement date, comprised of the new balance plus any new installment balance from your participation in the Installment Program as indicated on your statement.
Checking the box below and clicking "Enroll" forms your application for AMEX® Account Protector Ultimate. By clicking “Enroll” you consent to enroll in the OPTIONAL AMEX® Account Protector Ultimate, where you will be charged $0.99 per $100 of your monthly outstanding balance** (plus applicable taxes).
By checking this box, I acknowledge that I have read and understood the terms, eligibility, benefits, limitations and exclusions that are contained in the Certificate of Insurance and the Distribution Guide (for Quebec residents only).
1AMEX® Account Protector Ultimate is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and American Bankers Insurance Company of Florida (ABIC) under Group Master Policy numbers 0708APUL and 0708APU. ABLAC, ABIC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. If you want to contact Assurant please call 1-800-708-0807.
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