AARC Insurance Programs
AARC and Maginnis & Associates have worked together to bring you the following insurance programs with competitive rates and superior product benefits.Find out how one of these coverages can help you!
- Professional Liability Insurance
- Group Term Life
- Comprehensive Medical
- Disability Income
- Hospital Indemnity
- Dental, Vision, Hearing & Prescription Drug Discount Plans
Professional Liability Insurance
(Underwritten by Chicago Insurance Company) For Employed only.
- Occurrence Form protection which covers malpractice claims against you now, or anytime in the future, as long as the incident happens while your certificate was in force.
- Coverage limits up to $2,000,000 per incident, $4,000,000 per year.
- Portable coverage -- take it with you from job to job
- Legal defense cost coverage, in addition to your limit of liability, even if a suit is groundless, false or fraudulent.
- Your protection includes a qualified "consent to settle" clause for your consent to settle claims.
- You will be covered if sued for allegedly causing mental anguish, psychological injury, harm or impairment.
- Payment for loss of earnings of up to $500 per day for your attendance at a trial, hearing or arbitration proceeding, subject to a maximum of $7,500 per incident.
- Coverage will include reimbursement of defense costs up to $1,000 per certificate period for licensing board hearings.
- Supplemental Liability (Personal Liability) for non-business pursuits. This protects you if a person is injured in or around your home and sues you for non-business responsibilities.
- Medical Payments Coverage for non-business pursuits if someone is injured in or around your home -- up to $75,000 aggregate.
Group Term Life
(Underwritten by Allianz Life Insurance Company of North America) Coverage may not be available in all states.
- Provides affordable basic or supplemental protection for you and your family... up to $250,000 for you and your spouse; up to $5,000 for each child.
- Protects your family from the financial hardship of a terminal illness through a "Living Benefit" provision that provides up to 50% of the policy benefit prior to death. (Available in most states.)
- Helps you save with group rates, non-smoker discounts and additional discounts if you need $100,000 coverage or more.
- No premiums payable if you become disabled under the policy terms... but protection remains in force.
Comprehensive Medical
(Agency Licensing Restrictions Apply)
- Optional PPO benefit available to help you make more cost effective choices for your health care needs.
- Family coverage available.
- Gives you a choice of deductibles so you can control your out-of-pocket costs.
- Provides up to $1,000,000 in lifetime medical expense coverage to help pay for today's healthcare costs.
Disability Income
(Underwritten by Allianz Life Insurance Company of North America) Coverage may not be available in all states.
- Lets you choose the options that meet your needs, with a choice of benefit amounts, waiting periods, and payment periods.
- Pays you regular income if you become disabled and unable to work.
- Income benefits are tax-free, if you pay premiums yourself, under current I.R.S. regulations.
Hospital Indemnity
(Underwritten by Allianz Life Insurance Company of North America) Coverage may not be available in all states.
- Provides you with supplemental income when you need it most.
- Pays you up to $200 per day, for up to 500 days, if you are hospitalized... to use in whatever way you choose.
- Family coverage is available.
- You receive benefits regardless of any hospital protection you may have.
Best Benefits Discount Program:
Why The Need?The need for a quality and proven supplemental health benefits discount program is supported by the following simple facts.
Fact #1 60% of Americans do not have dental insurance
Fact #2 70% of Americans have no direct pharmacy benefit
Fact #3 130 million Americans need vision correction
Fact #4 22 million Americans wear contact lenses
Fact #5 24 million Americans are hearing-impairedDental, Vision, Hearing & Prescription Discount Plans
- Best Benefits Dental
From routine preventive services to orthodontics, Best Benefits provides savings to members on all dental procedures and you can expect to save between 10% and 40% on dental care expenses.- Best Benefits Prescription Drug Program
Members can save from 5% to 30% on average community drug prices when using the Best Benefits Prescription Drug Program- Best Benefits Mail Order Prescription Drug Program
Save even more by purchasing your prescriptions through the mail order pharmacy service. The mail order service provides significant savings and is especially convenient for maintenance prescription drugs.- Best Benefits Retail Vision Program
Members can receive 20%-60% savings on the purchase of prescription eyewear -- with no restrictions on the type of frames, lenses and/or options members can select.- Best Benefits Hearing Program
Best Benefits members receive an annual hearing screening, hearing aid evaluation and an annual hearing aid cleaning and check at no charge, and members can save as much as $300 from the retail cost on hearing aids.
If you would like to speak with a customer service representative regarding any of the AARC Insurance Programs, please call us.
1-800-621-3008
Ext. 105 -- Professional Liability (Employed only)
Or you can print out and send in the coupon to receive more information in the mail.
Ext. 108 -- Self-Employed Professional Liability (Not shown)
Ext. 284 -- All Other Coverages
