Travel Accident Insurance
You are automatically covered by accidental death and dismemberment protection
when traveling by any common carrier worldwide.
Travel Reservations
Call toll-free 24-hour reservations on hotel/motel reservations, rental
car arrangements, airline, train or cruises.
Travel Discounts
You are guaranteed special savings on auto rental rates at Avis, Hertz,
and National.
Travel Dividends
Dividends are yours whenever you use the Travel Reservations service.
Auto Rental Collision Damage Waiver Insurance
Save $8-$12 per day. This automatic coverage is for damage up to $25,000.
Emergency Airline Ticketing
The Reservation Service is available 24 hours a day to assist you in making
new travel arrangements to continue your trip.
Emergency Cash
You have emergency cash available, up to $500, if you are stranded without
cash.
Discount Shopping
You can shop by phone (toll-free) and save up to 50% off the manufacturers'
list prices on brand-name products.
Cardholder Vantage Point
A quarterly newsletter will come to you with your card statement.
Eye Wear Discounts
This program entitles you to savings on most eye wear products.
Additional VISA Gold Benefits
· Auto Rental Insurance (CDW)
· Warranty Manager Service
· Gold Travel Assistance Services*
* (Visa Gold Travel Assistance Services provide assistance and referral
only.)
Additional Gold MasterCard Benefits
· MasterTrip
· MasterLegal
· MasterPurchase
· MasterAssist/Medical
· MasterRental
· MasterCard Emergency Services
Unemployment/Disability/Life Credit Insurance
Credit Account Protector - "CAP" - Protects your family &
You by making your minimum monthly payments up to $500 if you become involuntary
unemployed or totally disabled for 30 days or more & by paying your
balance in full, up to $10,000, in the event of your spouse's or your death
or dismemberment.(1) CAP insurance costs just 65¢(2) per $100 of your
balance each month & covers the primary (first-named) card applicant
only for disability and unemployment. Coverage stops when you reach age
71,(3 ) or you become 90 days delinquent in your credit card payments.
CAP is underwritten by the USLIFE Credit Insurance Group and the Signature
Insurance Group.(4 )This is a general description of CAP in the state where
your card center is located and in most other states. There may be additional
limitations or differences in your state. If you enroll, carefully read
the certificates which we send you. If CAP is unavailable in your state,
we will let you know.
Enroll now by signing at the bottom of the application.
(1) Total benefits are limited to the lesser of your outstanding balance
as of the date of loss or $10,000. You must be under age 70 to enroll,
and must be insured at date of loss to qualify for benefits. Benefits are
determined as of the date of loss. The effective date of coverage is the
next statement billing date after receipt and acceptance of your enrollment.
If you cancel coverage within 30 days after receipt of your certificate,
all premiums will be refunded. Interest and premium accrued and charges
made after you date of loss are not covered. Dismemberment is not covered
in KS, RI & VA. To be eligible for disability coverage you must be
gainfully employed 30 hours per week at the time your claim begins except
in ID, IN, NM, OK & TN. Unemployment must be involuntary and does not
cover retirement, resignation, incarceration, periods in which you are
paid for work previously done, or self-employed people unless the business
is closed for financial reasons. You must be gainfully employed at least
30 hours per week at the time your claim begins, and to be eligible to
receive benefits you must register at your local unemployment office. Strike
is not covered in IL.
(2) 65¢ in Al, AR, DE, DC,FL,ID,IL, IN, KS, KY, LA, MS, MT, NV, NM,
OH, OK, OR, RI, SC, SD, TN, VA, WV & WY; 30¢ for life, dismemberment
and disability only in IA. Premium rates can be increased upon written
notice.
(3 )Age 66 in DE.
(4) Life, Dismemberment and Disability Insurance: Security of America Life
Ins. Co., Reading, PA (form C-2327 Series) in DE; USLIFE Credit Life Ins.
Co., Schaumburg, IL (form 275 Series) in all other states. Involuntary
Unemployment Insurance: USLIFE Indemnity Co., Omaha, NE (form USI Series)
in OK & VA; Forum Ins. Co., Schaumburg, IL (form 360 Series) in all
other states.
If you live in AL, FL or VA, please read the following: AL suicide
excluded first year. FL residents may assign or purchase insurance elsewhere.
VA residents: your signature indicates your request for a special CAP enrollment
form. 2/96AR
The monthly premium and coverage information is accurate as of the printing
date.
