Monthly:

If you select Monthly, your insurance premium will be withdrawn from your account monthly for the duration of your coverage. Premium is withdrawn five days prior to your plan's monthly anniversary date. If you purchase a package of consecutive Short Term Medical plans, the date your payments will be withdrawn for the subsequent plans may be subject to change. Your initial payment for any new subsequent plan can be withdrawn up to 15 days prior to your next subsequent policy’s effective date.

Single Payment:

If you select Single Payment, your non-refundable insurance premium will be withdrawn from your account in one lump-sum. The lump-sum withdrawal equals the total premium amount for the duration of your coverage.

A full premium refund is available for single-pay plans if the insured requests cancellation within 10 days of receipt of the policy.

L.I.F.E . Association Membership:

If you have a L.I.F.E. Association Membership, your Association dues will be withdrawn from your account monthly, five days prior to your membership's monthly anniversary date.

This is the date your Short Term Medical insurance coverage ends.

Does your client qualify for a Standard Issue Short Term Medical Plan?

Please read the following to your Applicant:

I am purchasing a standard issue Short Term Medical plan with guaranteed eligibility for subsequent consecutive policies at this time, and I understand and agree with the following:

1. The deductible and out of pocket limits will reset at the start of each new policy’s 3 month term;
2. The pre-existing condition lookback period will be based upon the first policy’s effective date;
3. This is not an Affordable Care Act compliant plan or Minimum Essential Coverage;
4. The date in which my payments for my subsequent consecutive Short Term Medical policies is subject to change, and my initial payment for the first month of any new subsequent policy can be withdrawn up to 15 days prior to my subsequent policy’s effective date;
5. I will not be eligible for the subsequent consecutive Short Term policies if a) my current policy terminates due to nonpayment, b) I contact you to terminate my current policy, or c) I do not complete an application verification online or via telephone.