Sample Policy Terms and Conditions

Below is a list of sample Terms and Conditions for our policies for your review.


Independence American Insurance Company

Terms and Conditions

For New York:

Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions

For Pennsylvania:

Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions

For Oklahoma:

Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions

For Nebraska:

Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions

For Michigan:

Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions

For Idaho:

Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions

For Georgia:

Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions

For Arkansas:

Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions

For Alabama, Arizona, Connecticut, Mississippi, New Mexico, Tennessee and West Virginia:

Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions

For All Other States:

Accident and Illness Coverage: Sample Plan Terms and Conditions
Accident Only Coverage: Sample Plan Terms and Conditions

Current Policyholders can refer to their terms and conditions through the Toto Customer Portal here.