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Accident Insurance Biography:

Source:- Google.com.pk
Globe Life And Accident Insurance Company, based in Oklahoma City, Oklahoma, provides life and health insurance coverage nationwide. Globe Life And Accident Insurance Company (hereafter referred to as "Globe," "Globe Life," or "The Company") was founded in 1951. The Company’s executive offices are housed in Oklahoma City and included more than 3.9 million policyholders (as of August 2013).
The Company has more than $66 billion of insurance in force (as of August 2013).[citation needed] The Company is a wholly owned subsidiary of Torchmark Corporation (NYSE: TMK), based in McKinney, Texas.
History
In 1951, The Company was chartered by two longtime friends, Ralph Reece and John Singletary, with $60,000 of borrowed capital. Globe originally sold inexpensive but dependable life insurance protection to rural Oklahoma communities. Since 1951, Globe Life has grown in financial strength and reputation, consistently receiving high industry ratings. Today, Globe Life markets primarily through direct mail operation. Globe Life has earned the A+ (Superior) Financial Strength Rating (as of June 2014) from A.M. Best Company insurance analysts since 1899. Globe has had an A+ (Superior) rating or higher since 1991.[citation needed] On February 5, 2014 Globe Life and Accident Insurance Company purchased the naming rights to the stadium for the Texas Rangers in Arlington, Texas. The agreement is for ten years starting in 2014 and going through the 2023 baseball season.
Employee Service Division
In 1972, Globe Life discovered a need for civil service employees to supplement their life insurance benefits. As a result, Globe Life formed its Employee Services Division (ESD) to service the Government marketplace at the state and Federal levels, and has developed special life and health insurance products to continually meet those needs. Through Globe's supplemental insurance program, Government members and their families can purchase Ordinary Life or Term insurance protection designed to pick up where their Federal Employee Government Life Insurance, or FEGLI, leaves off.
President & CEO
Charles F. Hudson was the Senior Vice President of Globe Life from August 2001 through August 2005. He became President and CEO in August 2005.
Accident & Health Products and Services
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Amateur Sports Accident Insurance
Our participant accident plans can also provide accident medical benefits for participants, coaches, officials and other volunteers who are injured in covered accidents. These plans also complement an organization’s general liability plan by covering injuries under a separate accident policy.
Camp Accident Insurance
Our Camp accident insurance plans can help provide medical benefits for members who are injured in covered accidents. These plans also complement an organization’s general liability plan by covering injuries under a separate accident policy.
College Student Health Insurance
Essential and affordably priced health insurance programs offered through educational institutions for college and university students.
Day Care Insurance
Managers, owners and directors of day care centers and other child care facilities alike all know the importance of safety in their businesses. However, accidents can and do happen. With Day Care Insurance, child care groups can provide key accident insurance benefits for staff members and children enrolled in their facility.
Developing Markets
We are the market leader for customized accident insurance plans designed to meet the needs of groups or associations. Based on our experience of working with top brokers and clients, we focus the industry’s leading underwriting and actuarial talent on creating solutions for niche-oriented organizations that meet their specific risks and needs. Examples of our distinctive, one of a kind program (programs not available in all states) include insured plans for egg donors, cosmetic surgery complications, jockey’s and concussions incurred during athletic participation.
Direct Marketing
As a global leader in affinity marketing, we provide a complete turn-key solution for our marketing partners designed to strengthen their brands and relationships with their customers, by offering top quality products and services. Our clients take full advantage of our size, strength and relationships to streamline essential functions and to minimize reliance on their internal resources. Our goal is to help clients exceed the customer satisfaction, retention, and revenue goals of their specific programs.
Entertainment & Hospitality
Organizations in the entertainment and hospitality industries have unique insurance risks that require a nimble provider with the flexibility to meet their unique risks. Our participant accident plans can play a significant role in comprehensively insuring entertainment and recreational organizations, by providing valuable accident medical expense, AD&D, and catastrophic cash benefits and offsetting general liability coverage.
Faith-Based Organizations
Faith-based organizations depend heavily on volunteers to minister to the needs of their congregation, with many religious institutions relying almost exclusively on volunteers to run their day-to-day operations. AIG’s Participant Accident Insurance can insure their volunteers against some of the inherent risks that accompany the diverse range of activities that they perform on behalf these organizations.
K-12 Student Insurance
When accidents occur on school property or during supervised school activities, they can present potential liabilities to schools as well as financial and emotional hardship to affected families. AIG’s K–12 risk management programs can help provide financial protection and help schools fulfill their commitment to the health and well-being of their student body.
Non-Profit / Non-Governmental Organizations (NGOs)
Thousands of non-profit organizations, religious organizations and NGOs provide essential services to help those in need and build stronger communities throughout the United States and the world. AIG’s Participant Accident Insurance can insure their members, volunteers, employees* and other participants against some of the inherent risks that accompany the diverse range of activities they perform on behalf these organizations. *In addition to covering volunteers, we can cover the employees of Non Governmental Organizations under its Participant Accident Insurance.
Travel Protector
From medical emergencies and unexpected severe weather to civil unrest, organizations with members who travel either domestically or internationally need to be prepared for a host of potential hazards that can put their people in harm’s way. That’s why they need an end-to-end insurance and assistance program that can respond promptly and effectively to travel emergencies, especially when faced with limited resources and budgets.
Volunteer Accident Insurance
General liability and workers’ compensation coverage may not cover volunteers of non-profit organizations. Organizations that depend on volunteers for their continuing operations may benefit from alternative coverage options like our Volunteer participant accident coverage. Our programs affordably meet the coverage needs of these organizations.
Accidental death and dismemberment insurance
From Wikipedia, the free encyclopedia
"AD&D" redirects here. For the updated version of the original 1974 Dungeons & Dragons rule set, see Advanced Dungeons & Dragons.
In insurance, accidental death and dismemberment (AD&D) is a policy that pays benefits to the beneficiary if the cause of death is an accident. This is a limited form of life insurance which is generally less expensive.
Accidental death
In the event of an accidental death, this insurance will pay benefits in addition to any life insurance but only up to a set amount total regardless of any other insurance held by same insurer, 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. Some of the covered accidents include traffic accidents, exposure, homicide, falls, heavy equipment accidents, and drowning. Accidental deaths are the fifth leading cause of death in the U.S. as well as in Canada.
Accidental death insurance is not an investment vehicle and thus clients are paying only for sustained protection. Insurance premiums are expected to rise in time. Most policies have to be renewed periodically (with revised terms), although the client's consent with renewal is often implicitly assumed.
Common exclusions
Every insurer maintains a list of events and circumstances that void the insured's entitlement to his or her accidental death benefit. Death by illness, suicide, non-commercial radiation, war injury, and natural causes are generally not covered by AD&D. Similarly, death while under the influence of any non-prescribed drugs or alcohol is most likely exempt from coverage. Overdose with toxic or poisonous substances and injury of an athlete during a professional sporting event may void the right to claim too.
Some insurance carriers will tailor their clients' coverage to include some of the above risks, but every such extension will be accompanied by increased premiums.
Due to these restrictions, the process of claiming the benefit may be relatively lengthy; the deceased client may have to undergo autopsy and the accident may have to be officially investigated before a claim is approved by the insurer.
Dismemberment
Fractional amounts of the policy will be paid out if the covered employee loses a bodily appendage or sight because of an accident. Additionally, AD&D generally pays benefits for the loss of limbs, fingers, toes, sight and permanent paralysis. The types of injuries covered and the amount paid vary by insurer and package, and are explicitly enumerated in the insurance policy.
Coverage types
There are four common types of group AD&D plans offered in the United States:
Group Life Supplement – the AD&D benefit is included as part of a group life insurance contract, and the benefit amount is usually the same as that of the group life benefit;
Voluntary – the AD&D is offered to members of a group as a separate, elective benefit, and premiums are generally paid as a payroll deduction;
Travel Accident (Business Trip) – the AD&D benefit is provided through an employee benefit plan and provides supplemental accident protection to workers while they are traveling on company business (the entire premium is usually paid by the employer);
Dependents – Some group AD&D plans also provide coverage for dependents

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