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ASEA Members Benefits Program
Countryman & Smitherman, Inc., became a partner of ASEA’s as Agent of Record in 1995. They have worked hard to improve the insurance programs that were available to ASEA members at the time they came on board and develop new, high quality products as the changing times and markets have dictated. Their insurance programs and attention to the needs and desires of members have greatly assisted us in making membership in ASEA even more attractive. Please take this opportunity to browse through the benefits they offer our members. If you are particularly interested in one of the following benefits after reading the short description of the program below simply click on "more information" and you can request additional information including rates and a more detailed explanation of the benefits provided. If you decide the program is right for you or your family you may print out an application, complete the information requested, and send it to your Benefits Administrator at the ASEA to apply. Some benefits require additional details to apply and you may not be able to complete an application on-line. If no additional information or application is available when you click on a particular benefit contact your Benefits Administrator at 1-800-252-7063 to get further information and instruction on how to apply. Countryman & Smitherman Inc. can be reached toll free at 1-877-777-4301 for benefits questions or claims issues. Thank you very much for your interest in the benefits endorsed by your ASEA.
Brochures and Applications are  PDF documents and require the Free Adobe Reader
IN-DUES AD & D PLAN (no cost to members)
All dues-paying members of the Alabama State Employees Association are provided with $5,000 in Accidental Death and Dismemberment coverage, which includes a matching common carrier rider. This is at no cost to the member. ASEA pays the premium for this insurance as an added benefit of membership. No application is necessary. You are automatically enrolled.
* Underwritten by Fidelity Security Life Insurance Company * Kansas City, MO
Policy No. AD-27
Policy Form No. M-00042
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VOLUNTARY AD & D COVERAGE
Accidents can happen anytime, anywhere, and they can be devastating. Few families are prepared to pay the additional cost necessary to financially support their loved ones after an accident. With that in mind the ASEA has made available this affordable Accidental Death and Dismemberment insurance for its members at low group rates. The plan pays up to $250,000 for death or accident. It includes an “escalator” benefit to help offset inflation. A Common Disaster benefit for you and your covered spouse if both suffer accidental death in a common accident. A Seat Belt benefit that pays up to $25,000 if you or your covered dependents suffer accidental death while wearing a properly fastened, factory-installed seat belt. A Paralysis benefit is included at no additional charge. Family coverage is available. Click on the links below if you would like additional information on this valuable benefit.
brochure (PDF 512KB) - application (PDF 36KB) - contact us form
* Underwritten by Fidelity Security Life Insurance Company * Kansas City, MO
Policy No. AD-18
Policy Form No. M-3007
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VISION
The cost associated with quality vision care including frames, lenses, and contacts has increased substantially over the past several years. In some cases, quality vision care can be your highest single out-of-pocket expense for health care for you and your family in any given year. That is why the ASEA is proud to endorse the Avesis Vision Program to meet that need. Avesis is one of the largest vision networks of optometrists and ophthalmologists in the nation. The plan offers you freedom to choose a different participating provider for each member of your family and low out-of-pocket expenses when selecting an in-network provider. The plan includes benefits for lenses, frames, contact lenses, and comprehensive vision exams among the other benefits provided. This vision plan is available by special offer only. Watch your mailbox and The Insider magazine for the next open enrollment period or contact your member benefits manager at 1-800-252-7063. Open enrollment periods are generally announced in advance and last from 90 to 120 days each enrollment period. You may click on the links below to look at benefits and rates that were offered during the latest enrollment period.
contact us form
* Underwritten by AVESIS
Policy No. VC-16
Policy Form No. M-188
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CANCER PROTECTOR
The cost associated with the treatment of cancer, over and above what your health insurance pays, can be substantial. With that in mind the ASEA has worked with Countryman & Smitherman Inc. and Fidelity Security Life INsurance Company to bring you a very low cost plan of insurance that most everyone can afford. This benefit is designed to supplement your other health benefits. There are three plans to choose from (1) low option plan with a $500,000 maximum lifetime benefit per insured, (2) high benefit plan with $1,000,000 maximum lifetime benefit per insured, (3) a “First Occurrence” cancer benefit that pays $10,000 for the first diagnosis of internal cancer. The “First Occurrence” benefit is available only through special offers usually one time per year. Benefits are paid directly to you, in addition to any other insurance you may have. There are also benefits for cancer screening with no cancer diagnosis necessary. You owe it to yourself to look at these rates. We invite you to compare them to any cancer plan offered to state employees. If, after looking at our rates and benefits by simply clicking on the links below, you feel this plan is right for you fill out the application and send to the ASEA office. Be sure to sign the application and the payroll deduction authorization form if applicable.
brochure (PDF 68KB) - application (PDF 28KB) - contact us form
* Underwritten by Fidelity Security Life Insurance Company * Kansas City, MO
Policy No. CA-29A/B/C
Policy Form No. M-7000
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GUARANTEED ISSUE TERM LIFE
The newest addition to ASEA’s term product line is a $10,000 Guaranteed Issue Term Life plan available to members of the ASEA only. This plan offers you up to $10,000 of Term Life, guaranteed issue with no health questions or physical exams at very affordable group rates. By being a member of ASEA, you are already approved. Simply fill out an application and drop it in the mail or call your ASEA member benefits manager at 334-834-6965 or toll free at 800-252-7063. You may click on the links below to receive more information about this exciting new benefit of membership and an application to enroll. Remember, you can’t be turned down for this benefit if you are an ASEA member.
brochure (PDF 184KB) - application (PDF 48KB) - contact us form
* Underwritten by Fidelity Security Life Insurance Company * Kansas City, MO
Policy No. TL-44A
Policy Form No. M-1004
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GROUP TERM LIFE
Thanks to your valuable membership in ASEA, you can take advantage of this Term Life Insurance Plan at affordable group rates. We invite you to compare these outstanding unique features and price to other term life plans available to you. All ASEA members and their spouse under age 65 and dependent children to age 23 can be covered. You choose the beneficiary and amount of coverage up to $260,000. Smoker and non-smoker rates are available. This plan includes extra benefits at no additional cost to you. Depending on the plan selected, benefits can include:
Automatic benefit increase up to 10 years
An Accelerated Death Benefit of up to 50% of your term amount
Waiver of Premium if you become disabled
Renewable to age 75
Full Medical exams are not usually required
brochure (PDF 184KB) - application (PDF 48KB) - contact us form
* Underwritten by Fidelity Security Life Insurance Company * Kansas City, MO
Policy No. TL-44
Policy Form No. M-1004
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SENIOR WHOLE LIFE
The ASEA recognizes that there are situations when a person’s health history or age greatly limits the options available to them for life insurance to protect their families financially. For those members or their spouses that might have problems getting insurance or for members that would rather have a permanent coverage that does not decrease or terminate due to age, Countryman & Smitherman Inc., offers a guaranteed issue plan of Whole Life Insurance. This plan is underwritten by Fidelity Security Life Insurance Company (FSL) and has been providing benefits for ASEA members for 23 years. The plan can be issued to ASEA members between the ages of 45 and 75, and offers up to $20,000 in valuable modified whole life coverage, paying two times the face amount if death is due to accident. For death due to natural causes, the plan is limited to 125% of annual premium during the first year, 250% of the annual premium during the second year, and the full-face amount during the third coverage year and beyond. Click on the links below for more information. Then, print off the application, fill it out and send it to your ASEA office. It’s that easy. You are already approved!
brochure (PDF 328KB) - application (PDF 48KB) - contact us form
* Underwritten by Fidelity Security Life Insurance Company * Kansas City, MO
Policy No. SW-5
Policy Form No. M-1017
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Fidelity Security Life Insurance Company, 3130 Broadway, Kansas City, Missouri 64111. Domicile: Missouri. NAIC No. 71870. Authorized to transact insurance in: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, IN, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, VT, VA, WA, WV, WI, WY.
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