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Freedom Spirit

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Why Choose Freedom Spirit?

Freedom Spirit Membership

With the Freedom Spirit membership level of the Med-Sense Guaranteed Association you will have financial assistance in the event of a covered Accidental Death or Dismemberment. There are two optional coverage amounts fitted to suit your needs as shown in the chart below. Simply decide on the insurance amount during the quoting process.

Coverage is available to members ages 18 through 64. Benefits will decrease to 65% of the Principal Sum at age 70, 45% of the Principal Sum at age 75, 30% of the Principal Sum at age 80, and 15% of the Principal Sum at age 85. For complete Terms and Conditions please refer to the Description of Coverage.

  • Coverage is available to U.S. residents.
  • Choice of $50,000 or $100,000 maximum Accidental Death and Dismemberment benefits

Accidental Death & Dismemberment Insurance Exclusions

The following exclusions apply to all benefits or Hazards under this policy. Additional exclusions, limitations or conditions may also apply to specific benefits or Hazards. Please read the Description of Coverage carefully.

This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly, or indirectly, an Insured Person(s):

  • Riding as a passenger in, entering, or exiting any aircraft while acting or training as a pilot or crew member. This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life-threatening emergency.
  • Emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment thereof. This exclusion does not apply to an Insured Person’s bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria.
  • Commission or attempted commission of an illegal act including but not limited to any felony.
  • Being intoxicated, at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such Accident occurs.
  • Being under the influence of any narcotic or other controlled substance at the time or an Accident. This exclusion does not apply if any narcotic or other controlled substance is taken and used as prescribed by a Physician.
  • Participating in military action while in active military service with the armed forces or any country or established international authority. However, this exclusion does not apply to the first sixty (60) consecutive days of active military service with the armed forces of any country or established international authority.
  • suicide, attempted suicide or intentionally self-inflicted injury.
  • Trade Sanctions:
    • The United States of America has imposed any trade or economic sanctions prohibiting insurance of any Accident, Accidental Bodily Injury or Loss. or
    • There is any other legal prohibition against providing insurance of any Accident, Accidental Bodily Injury or Loss.
    • A declared or undeclared War

Agile Discount Rx Card:

Medications cost too much. And if you or a family member have asthma, diabetes, heart disease or another illness, costs can quickly skyrocket and make it hard to make ends meet. We believe that peace of mind shouldn’t cost an arm and a leg. Save an average of 46%, with potential savings of up to 75%*. This card can be used for your entire family, including pets. Save at more than 60,000 pharmacies nationwide, including Walmart, Target, Walgreens and more. Discounts are at the register. Because this is not insurance, there are no forms to fill and there is no wondering or waiting for reimbursements.

Who is eligible to apply for membership?

Freedom Spirit Membership provides both non-insurance membership benefits and Accidental Death and Dismemberment benefits, and is available to individuals from age 18 through age 64. Unless benefits have been exhausted, coverage will never terminate, but the AD&D insurance benefits will decrease to 65% of the Principal Sum at age 70, 45% of the Principal Sum at age 75, 30% of the Principal Sum at age 80, and 15% of the Principal Sum at age 85. For complete Terms and Conditions of the AD&D insurance refer to your Description of Coverage. (Policy #9907-71-53)

Are there any waiting periods for membership benefits?

There are no waiting periods. You can begin using your Association benefits once your payment is accepted.When does my association membership begin? Once your payment is processed and approved your membership can be effective at the earliest two days from your enrollment date or your selected date no longer than 30 days from your enrollment date. The member’s fulfillment package and ID Card is available immediately after purchase is completed. Membership handbook and identification cards will arrive via U.S. Mail within 3-5 business days after payment is received and approved.