Are my Atlas Direct insurance premiums fixed forever, or will they increase as I get older?

The premiums for Atlas Direct’s insurance plan are not fixed forever. They increase with age.

Premiums reflect “attained age” (which means your age on your initial coverage effective date or on your subsequent annual renewal dates) and higher age brackets come with higher premiums.

For example, if the premium for females aged 20-24 is $115 per month and increases to $160 per month for those aged 25-29, then a female turning 25 will see her premium rise upon renewal. The premium will stay the same while she remains in that same age bracket, but will increase when she ages into the next age bracket.

Thus, please note that your premium is not going to be fixed and unchanging forever. It will increase whenever you age into the next-higher age bracket.

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The insurance policy advertised on this website offers limited health benefit coverage and is a supplement to, rather than a replacement for, comprehensive major medical insurance coverage. It is designed to provide benefits at preselected, fixed dollar amounts for covered diagnoses. This limited benefit coverage does not satisfy the minimum essential coverage requirements of the Affordable Care Act. Coverage is not available to insureds age 65 or over.

The policy is a group fixed-indemnity plan that is underwritten by Pan-American Life Insurance Company, 601 Poydras Street, New Orleans, LA 70130 under policy form G-NHI23-P. The policy has exclusions and limitations. Coverage and plan options may vary or may not be available in all states. Refer to the policy and certificate of coverage for complete terms and conditions. Premiums may vary by state. Get a quote to see your premiums. Underwriting approval is required to purchase coverage.

The Direct Care Foundation is the policyholder and membership in the Direct Care Foundation is required for eligibility to buy this coverage.

Atlas Direct Agency LLC (ADA) is a licensed insurance agency (Nevada #4005774) appointed by Pan-American Life Insurance Company. The purpose of the material on this website is the solicitation of insurance. An insurance agent may contact you. Insurance quotes are provided by ADA.

Atlas Direct is a service mark of ADA.

This website and its contents are a resource that is for informational purposes only and reflect information available at the time of publication. This information is not a guarantee of rates, coverage, or benefit levels. Nothing on this site changes or overrides any terms of insurance policies issued by Pan-American Life Insurance Company. If there is any conflict between the information provided here and the terms of a policy, the policy terms will take precedence.