How is “attained age” defined?

Atlas Direct’s insurance premiums reflect your attained age, which refers to your age on your coverage effective date or annual renewal date.

For example, if Alex (born June 30, 2000) starts coverage on July 1, 2030, he will have just turned 30, so his monthly premium for the entire duration of his initial one-year coverage term will be based on his being a 30-year old male on the date that his coverage first went into effect. By contrast, his cousin Adam (born July 2, 2000) will still be 29 on July 1, 2030, so he would be charged the monthly rate for a 29-year-old male during the entire duration of his initial one-year coverage term, assuming that he also starts his coverage on July 1, 2030.

When July 1, 2031 rolls around and it is time for one-year coverage renewals, Alex will be charged the rate for a 31-year old for the entire upcoming year while Adam will be charged the rate for a 30-year old for the entire upcoming year.

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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.