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Building a Stronger Safety Net ON TOP of Your No Cost Benefits

For many Moose Members -- especially those with larger families or bigger financial commitments -- $2,500.00 NO COST to you coverage is a good start. But they often need more.

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Accident Protection

So Moose VIP made special arrangements to extend as much as $50,000.00 more (IN ADDITION to your complimentary benefits) through the Moose VIP Expanded Accident Plan.


Set Up A Bigger Financial Cushion For Your Loved Ones

There's no doubt your $2,500.00 NO-COST coverage is a privilege negotiated specially for Moose Members. But for many families, $2,500.00 is only a start.

That's why MooseVIP also made it easy for you to set up EXPANDED cash benefits -- with HIGHER benefit levels to protect your loved ones from the sudden financial impact of a fatal accident.

Think of the dangers on our nation's highways alone.

Even with all the safety equipment in our vehicles, highway death rates continue to increase. According to the National Safety Council's Injury Facts (2009 Edition), car crashes are a leading cause of death for all ages.

That's why MooseVIP urges all Members to strongly consider adding Expanded accident benefits to their current NO-COST privileges.

As a Moose Member under age 70, you and your spouse cannot be turned down. No health questions are involved. No medical exam or proof of your driving record is required.

Think of your Expanded MooseVIP accident protection as a smart way to build an even stronger safety net for your loved ones.

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Up to $50,000.00 in Expanded Cash Benefits: To Pay For Groceries … Car Payments … Or To Help Your Loved Ones Make Ends Meet Your NO-COST MooseVIP accident privileges are only a start. But if you suddenly fell victim to a deadly accident, your family might very well need an even bigger financial cushion to make ends meet.

That's why you now have the guaranteed right to add $25,000.00 or $50,000.00 in Expanded accident benefits.

You'll be protected in your car. At home. On the job. On vacation. Anywhere you might be. Your Expanded MooseVIP accident benefits give you a world-wide, 24-hour safety net against covered accidents.

Pays Regardless Of Any Other Insurance In addition to working seamlessly with your NO-COST MooseVIP accident privileges, your Expanded benefits are paid REGARDLESS of any employer or other group coverage you may have in the event of a covered accident.

That means you can rest assured your loved ones will collect the full amount of MooseVIP cash benefits they're entitled to. It's an easy way to help make sure your family could get a fresh start — instead of worrying how they'd pay the bills — if a covered accident takes your life.

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Adding More Protection

The MooseVIP Expanded Accident Benefit Program is designed to work hand-in-hand with your NO-COST Accident privileges. That means we can help you save money by keeping program costs down, too.

The end result? Up to $50,000.00 in Expanded benefits. Take a look:

Quarterly Rates for Expanded Benefits:

Coverage Option $25,000 $50,000
Member Only $5.43 $10.68
Member & Spouse $10.86 $21.36

Rates will include a $2.00 administrative fee if paying by credit card or a $1.00 administrative fee if paying by automatic checking withdrawal. Rates and/or benefits may be changed on a class basis.

Please Note: You may also have the option of paying your premiums once a year (annually), twice a year (semi-annually), or four times a year (quarterly). If you pay your premiums monthly, quarterly or semi-annually, the total amount of premiums you pay in a year may be higher than if you make one annual payment. If you are interested in learning more about these payment options, please refer to your fulfillment package for details.

Your Expanded Accident coverage starts the first day of the month after your enrollment form and first premium payment are received. You cannot be singled out for cancellation, a benefit decrease, or an increase in your premiums due to a change in your health or occupation. Rates can only be increased for an entire class of insured persons, not on an individual basis. Your benefits will continue in full force as long as you pay your premiums on time, remain a Moose member in good standing, and the Master Policy remains in force. Coverage for all insureds (whether member or spouse) will reduce by 50% when the member reaches age 75.

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How does this Expanded coverage work with my NO-COST Moose Accident privileges?

MooseVIP made sure your NO-COST Accident privileges and your Expanded Accident coverage work together seamlessly — giving you a solid financial safety net for your family. Your benefits will not be reduced as a result of any other insurance you may have from an employer or another group. Rest assured … your loved ones would receive the full amount they're entitled to if you fall victim to a covered accident.

Will I need to fill out a long form or get a physical from my doctor to sign up?

No. These Expanded benefits are extended to you on a guaranteed basis. There is no long form with complicated health questions to worry about. No medical exam is required. Just fill out the short form on this website to activate your MooseVIP Expanded accident benefits today.

Is there any way I can be turned down for Expanded benefits?

Not as a Moose member under age 70. You and your spouse are GUARANTEED ACCEPTANCE in this special Expanded benefit program — regardless of your health history, current occupation, or hobbies.

What if I decide these Expanded Benefits aren't right for me?

There's no risk with the program's 100% Money-Back Offer. As soon as you sign up, we'll send you a Certificate of Insurance. Look it over for a full 30 days. If you're not complete satisfied, just let us know. We'll cancel your coverage and give you a complete 100% refund of any premium you've paid as long as you haven't made any claims during that time.

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The MooseVIP Expanded Accident Plan cannot pay a benefit for a loss which is caused by, results from, or contributed by: Suicide, attempted suicide or intentionally self-inflicted injury, while sane or insane (in Missouri while sane) declared or undeclared war or any act of war; full-time military service; participating in a riot; committing an assault or felony; sickness or its medical or surgical treatment, including diagnosis; bacterial infection except through wound accidentally sustained; operating or riding in any kind of aircraft except as a fare-paying passenger on a regularly scheduled commercial flight or as a passenger in a transport plane operated by the Air Mobility Command (AMC) of the United States of America; alcohol intoxication, as defined in the state where the accident occurred; taking of any drug, medication, narcotic or hallucinogen, unless as prescribed by a physician; taking of alcohol in combination with any drug, medication or sedative; voluntary gas inhalation or poison voluntarily taken, administered or inhaled; riding or driving as a professional in any kind of race for prize money or profit.

Death must occur within 365 days of the accident causing the injury and death must occur as a direct result of the injury to be covered. Benefits reduce by 50% on the premium due date on or next following the Insured’s 75th birthday. Rates can only be increased for an entire class of insured persons, not on an individual basis.


Benefits for loss of life are payable to your beneficiary. If no beneficiary has been named, benefits will be paid to: your spouse; your children; your parents; your siblings; or your estate (in that order). Benefits for loss of your spouse's life are payable to you.

FULL TERMS AND CONDITIONS ARE IN THE CERTIFICATE OF INSURANCE These materials explain the general purpose of the insurance described, but in no way change or affect Master Policy MZ0925572H0000A-1A as actually issued. In the event of a discrepancy between these materials and the policy, the terms of the policy apply. Complete details are in the Certificate of Insurance issued to each insured individual. Benefits may vary and this program may not be available to residents of all states. Some expanded benefits may not be available in all states.

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Offered by: Association Group Insurance Administrators

Underwritten by: Transamerica Premier Life Insurance Company, Cedar Rapids, IA

Administered by: A.G.I.A., Inc.
P.O. Box 26860, Phoenix, AZ. 85068
Questions? Call toll-free 1-866-677-5722


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"No Questions Asked" Money-Back Offer

There's no risk when you set up Expanded MooseVIP Accident benefits today.

As soon as you activate your Expanded benefits, we'll mail you a Certificate of Insurance. Look it over for a full 30 days. If it's not what you had in mind, just let us know.

You'll get a full 100% refund — GUARANTEED.