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Personal Coverages
In the event of an accidental death, our AD&D insurance will pay benefits in addition to any life insurance held by the client. This is called double indemnity coverage and is often available even when accidental death insurance is merely an add-on to a regular life insurance plan.
Accidental death insurance is not an investment vehicle and thus clients are paying only for sustained protection. Most policies have to be renewed periodically, although the client's consent with renewal is often implicitly assumed.
Credit Life and Credit Disability Program to Banks. These programs are customer paid products that insure consumer loans in the event of death or disability.
Insurance Tracking
Kurt Kesler & Associates can monitor insurance for a variety of collaterals. MORE.
Accidental Death Program
Kurt Kesler & Associates makes a very competitive Accidental Death Program available to Banks. This voluntary program is usually promoted through the mail directly to the customers of the Bank, and can be designed for your savings, consumer loans, credit card and/or real estate loan customers.
This program offers no cost coverage to each customer that applies in an amount ranging from $1,000 to $2,500, and can provide additional coverages up to $250,000. The policy provides coverage in cases of common carrier accidents and hospital confinement. There are provisions for spousal education, child care assistance, higher education expenses of children, and includes an anti-inflation clause. Customers also have the option of having their family members included in all coverages
Credit Life and Credit Disability Program
Credit Life
Credit Life is a voluntary program of decreasing term insurance that helps pay off a borrower's loan in the case of death, to a maximum of $50,000. Joint life insurance is available for a co-borrower and/or spouse.
Credit Disability
Credit Disability is a voluntary insurance program that helps make an insured customers loan payment to the Bank when the borrower is disabled and unable to work after a certain waiting period, usually 14 or 30 days. Payments will continue for as long as the borrower remains disabled.
Banks have a choice of the type of disability program they wish to make available to their borrowers. At the Bank's option, there is a Lending/Loan system and an On-Line Loan System available to integrate with the insurance program. For ease of administering, both claims and premium payment can be made via ACH. Kurt Kesler & Associates provides on-going on-site training of Bank staff for both Credit Life and Credit Disability programs.