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Underwritten by
United States Fire Insurance Company
Choice Accidental Death & Dismemberment Insurance Plan 125k


Cost breakdown

Monthly Premium


AFEUSA Association


PEP Benefit
(one time payment)


Initial total cost


Other non-insurance benefits included with this plan

Association for Entrepreneurship USA

This plan is only available to members of the Association For Entrepreneurs USA and the AFEUSA Association Dues is the monthly membership dues. Through your membership in AFEUSA, you will enjoy discounts on a variety of Health, Travel, Consumer and Business services. For more information regarding AFEUSA association and its benefits, please visit

Through your membership in AFEUSA, you will enjoy discounts on a variety of Health, Travel, Consumer and Business services. Benefits are not provided by the Insurance Carrier.


A prescription savings service offering fast and easy access to consistently low prices on prescription drugs. Save up to 80% on prescriptions, and on average, 45% lower than retail. In many cases, less than the cost through an insurance plan. You will only pay for the prescriptions you need, at the pharmacy of your choice. There are no membership fees, no premiums, and zero cost to join.

Use SingleCare for your prescriptions when:

  • Your prescriptions are not covered by your health insurance
  • Your prescription is subject to a deductible
  • Your copay is higher than the SingleCare price


This benefit is not insurance and does not provide coverage, it only provides discounts and services. Benefits are not provided by the Insurance Carrier.

Benefit details

Class 1 Principal Sum


*Class 2 Principal Sum


**Class 3 Principal Sum


If, within 1-year from the date of an Accident covered by the Policy and this Certificate, Injury from such Accident, results in Loss listed below, We will pay the percentage of the Principal Sum set opposite the loss in the table below. If the Covered Person sustains more than one such Loss as the result of one Accident, We will pay only one amount, the largest to which he is entitled. This amount will not exceed the Principal Sum which applies for the Covered Person.

Loss (except Accidental Death) must occur within 365 days of the Covered Loss

Loss of Life


Loss of Both Hands


Loss of Both Feet


Loss of Entire Sight of Both Eyes


Loss of One Hand and One Foot


Loss of One Hand and Entire Sight of One Eye


Loss of One Foot and Entire Sight of One Eye


Loss of Speech and Hearing (both ears)


Loss of One Hand


Loss of One Foot


Loss of Entire Sight of One Eye


Loss of Speech


Loss of Hearing (both ears)


Loss of Thumb and Index Finger of the Same Hand


*  Insured eligible Spouse or Domestic Partner coverage is 60% of Primary Insured

** Insured eligible dependent Children coverage is 20% of Primary Insured

Age-based Reductions: The Principal Sum will be reduced by 35% at age 70; 55% at age 75; 70% at age 80; 85% at age 85 and over.

Frequently asked questions

Limitations & exclusions

This Certificate does not cover any loss resulting in whole or part from, or contributed to by, or as a natural or probable consequence of any of the following even if the immediate cause of the loss is an Accidental bodily Injury, unless otherwise covered under this Certificate by Additional Benefits:

  1. Suicide, self-destruction, attempted self-destruction or intentional self-inflicted Injury while sane or insane.
  2. War or any act of war, declared or undeclared.
  3. An Accident which occurs while the Covered Person is on Active Duty Service in any Armed Forces, National Guard, military, naval or air service or organized reserve corps.
  4. Injury sustained while in the service of the armed forces of any country.  When the Covered Person enters the armed forces of any country, We will refund the unearned pro rata premium upon request.
  5. Participation in a riot or insurrection.
  6. Any Injury requiring treatment which arises out of, or in the course of fighting, brawling assault or battery.
  7. Mental or nervous disorders, except as specifically provided in this Certificate.
  8. Asphyxiation from voluntarily or involuntarily inhaling gas and not the result of the Covered Person’s job.
  9. Voluntarily taking any drug or narcotic unless the drug or narcotic is prescribed by a Physician and not taken in the dosage or for the purpose as prescribed by the Covered Person’s Physician.
  10. Intoxication or being under the influence of any drug or narcotic.
  11. Driving while Intoxicated.  “Intoxicated” will have the meaning determined by the laws in the jurisdiction of the geographical area where the loss occurs.
  12. Violation or in violation or attempt to violate any duly-enacted law or regulation, or commission or attempt to commit an assault or felony, or that occurs while engaged in an illegal occupation.
  13. Conditions that are not caused by a Covered Accident.
  14. Services or treatment rendered by a Physician, Nurse or any other person who is employed or retained by the policyholder; or an Immediate Family member of the Covered Person.
  15. Injuries paid under Workers’ Compensation, Employer’s liability laws or similar occupational benefits or while engaging in activity for monetary gain from sources other than the Policyholder.
  16. Travel or activity outside the United States.
  17. Participation in any motorized race or speed contest.
  18. Pregnancy, childbirth, miscarriage, abortion or any complications of any of these conditions.
  19. Any Accident where the Covered Person is the operator of a motor vehicle and does not possess a current and valid motor vehicle operator's license;
  20. Treatment for an Injury that is caused by or results from a Nuclear reaction or the release of nuclear energy. However, this exclusion will not apply if the loss is sustained within 180 days of the initial incident and:

(i) The loss was caused by fire, heat, explosion or other physical trauma which was a result of the release of nuclear energy; and

(ii) The Covered Person was within a 25-mile radius of the site of the release either:

1) At the time of the release; or

2) Within 24 hours of the start of the release.

Exclusions may vary by state.  Please check your Certificate or Policy for details.

About the association

Association for Entrepreneurship USA (AFEUSA) strives to bring you the most current information on business, technology, and related processes to help you grow the confidence needed to succeed. Entrepreneurship takes a much different shape today than in the past. In fact, you may have a business and not even know it. You might be selling goods on eBay, repairing old cars and posting ads online, might be a grandmother who babysits kids, or an Uber or Lyft driver. Membership benefits are not associated with the insurance company.

ACI Legal and Financial Services/Childcare     
Members and family members are eligible to receive legal and financial consultation for an unlimited number of issues at no cost. With ACI’s child care services, it’s never been easier to access reliable, affordable child care locally.     

Health & Well-being

  • Burnalong
  • Needy-Meds
  • American Hearing Benefits

Travel & Auto  

  • Avis/Budget Car Rental Discounts 
  • Sky Med Emergency Travel 
  • Sky Med Travel 
  • Car Chex 
  • True Car 

Home & Family Programs  

  • Costco Wholesale  
  • Benefit Hub  
  • Home Chef  
  • Long Term Care Resources  
  • Griswold Home Care  
  • InfoArmor®  
  • LegalShield  
  • IDShield  

Financial, HR & Credit   

  • Gusto   
  • Take Charge America   
  • The Credit Clinic   
  • EJ Pro Lease   
  • First American   

Business & Office Services   

  • Eric’s Jobs   
  • Trapp Technology   
  • UPS Express Delivery   
  • Office Depot / Office Max Discounts   
  • E6 Agency   
  • Newsletter Pro   

Education/Business Coaching    

  • Genius Network    
  • Big Results Academy    
  • The Messinger Institute    
  • SocialCore Marketing    
  • Joe Weldon Consultant and Executive Speech Coach    
  • Empowered Couples University 

Frequently asked questions

Frequently asked questions

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