Q:  Can the Fire Company pay for this benefit from Act 84 Relief money?
A:  Absolutely.  In fact, the Auditor's Office often prefers this type of coverage as it is often easier to account for.

Q:  Will benefits apply to Death by any cause?
A:  Yes.  This is a contract that covers Natural Death as well as Death by Accident.

Q:  Is "Double Indemnity" for Accidental Death available?
A:  Yes.  For a small additional premium, this endorsement can be added.

Q:  Can different classes of member have different Benefits?
A:  Yes.  Your Relief Association Board can set different limits based on years of service or age or class of Membership (example, Life, Active, Crew, Directors, etc.).

Q:  Are there any waiting periods required by this contract?
A:  No.  The plan is set up to accept new members at any time.  They will be added at the Relief Association request, based on the Relief Association requirements that are predetermined at the time the policy is written.

Q:  Are there any Rate Guarantees?
A:  Yes.  For all new Plan designs in the new group program there will be a 2 yr. rate guarantee as long as the membership does not increase by more than 25%.

Q:  Can the Relief Association recover their premium if a member quits or dies or is removed for some other reason?
A:  Yes.  General Insurance Agency will meet with your Relief Association's Board to review your plan at the end of each year.  At that time Pro-Rata premium for those members added or removed during the year will be calculated.  Remember.  you can add or remove from this plan at ANY time.