24/7 Medical Consultations via Telephone or E-mail

SHIELD Plus
Supplemental Benefits Plan
Because Accidents Happen
Up to $10,000 of Supplemental Accident Coverage
Up to $500 per week of Injury DI Benefits
Up to $250,000 of AD&D Coverage
Pays When You Are Injured
n No Networks - Any Doctor - Any Hospital
n Inpatient & Outpatient MD charges
n Medications In & Out of Hospital
n Ambulance Expense
n Hospital Inpatient & ER
n Inpatient & Outpatient surgery
n Local Clinics & Urgi-Care Centers
n Inpatient or Outpatient MRI - CT - X-ray
PLUS
w/optional unlimited free access
WBA’s Affordable AccidentSHIELD Benefits Plan Package… Tailored for:
n Individuals n Families n High Deductible Plans n Uninsured n Uninsurable
Guaranteed Acceptance

Basic Service Included
24/7 Medical Consultations
via Telephone or E-mail
On Call Tele-Consult:..................................................$35
Talk to a doctor immediately. Receive medical advice.
Priority Tele-Consult:..................................................$35
Talk to a doctor usually within 1 hour. Get a comprehensive
consultation, request prescription medication.
E-Consult:......................................................................$0
E-mail a doctor about sensitive medical issues. Receive
medical advice. Get a response within 24 hours.
Secure, discreet, HIPAA-compliant.
$25 Fee per registrant prior to initial consultation
(add $12 if live operator assistance is used).
When to Use Consult A Doctor
n For non-emergency, common conditions and issues.
n When you want immediate access to
quality healthcare.
n When you can’t miss work or school.
n After hours or on weekends when your physician
is not available.
n When you are traveling or away from home.
n When you need a prescription or refill.
Conditions Most Commonly Treated
Our physicians are trained to provide quality medical
care for a variety of conditions and diseases. Such as:
n Cold and Flu
n Allergies
n Bronchitis
n Urinary Tract Infection
n Muscle or Joint Pain
n Sinus Conditions
n Back Problems
(acute and chronic)
2 Great Options – Your Choice!
n Upset Stomach
n Arthritis Pain
n Soar Throat
n Travel Consultations
n Immunization Planning
n ... And many other
non-emergency
illnesses.
Optional Premium Service
On Call Tele-Consult: . . . . . . . . . . . . . . . . . . . . . . . . .$0
Talk to a doctor immediately. Receive medical advice.
Priority Tele-Consult: . . . . . . . . . . . . . . . . . . . . . . . . .$0
Talk to a doctor usually within 1 hour. Get a comprehensive
consultation, request prescription medication.
E-Consult: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$0
E-mail a doctor about sensitive medical issues.
Receive medical advice. Get a response within 24
hours. Secure, discreet, HIPAA-compliant.
Standard medical records registration is free if
completed online. $12 per registrant charge if live
operator assistance is used.
Consult A Doctor Benefits
n 24/7 access to licensed physicians who diagnose
medical conditions.
n Save time.
n Save money.
n Powerful, easy to use, online personal health manager.
n No waiting rooms, no insurance forms, no one is denied.
n No limitations on usage.
n Cover your entire family.
3 Easy Ways to Consult
Our physicians are trained to provide quality medical
care for a variety of conditions and diseases. Such as:
On Call Tele-Consult:
Talk to a doctor immediately. Receive medical advice.
Priority Tele-Consult:
Talk to a doctor usually within 1 hour. Get a comprehensive
consultation, request prescription medication.
E-Consult:
E-mail a doctor about sensitive medical issues.
Receive medical advice. Get a response within 24
hours. Secure, discreet, HIPAA-compliant.
There is no guarantee that you will be prescribed medication. Consult A Doctor do not prescribe controlled medications.
During the” By Appointment” and “Priority Consultation” you will be speaking with a physician licensed in your state.
For members whot consult frequently, there is no guarantee that you will consult with the same physician every time.

Covered Charges
You can never plan for an accident, but
you can plan to have protection in case of one.
AccidentSHIELD will be there for you…
You never know when an accident will happen, but when it does you should be prepared. Ensure
your financial peace of mind for a fraction of the cost a single accident will demand. For those
without coverage or with a high deductible plan, WBA is an affordable necessity you shouldn’t be
without. The potential savings it offers more than justifies the cost.
n Treatment, services or supplies incurred for but not
limited to: Hospital room and board, and general
nursing care, up to the semi- private room rate
Accident Medical Expense Benefits
Members choose $5,000, $7,500 or even $10,000 of coverage
Starr Indemnity & Liability Company (SILC) will pay Accident Only Medical Expense
Benefits for Covered Expenses that result directly, and from no other cause, from a Covered
Accident. These benefits are subject to the Deductibles, Coinsurance Rates, Benefit Periods,
Benefit Maximums and other terms or limits shown in the Schedule of Benefits.
Medical Expense Benefits are only payable: 1. for Usual and Customary Charges
incurred after the Deductible has been met; 2. for those Medically Necessary Covered
Medical Expenses that the Covered Person receives; and 3. when the first charges are
incurred within 90 days after the date of the Covered Accident.
No benefits will be paid for any expenses incurred that, in SILC’s judgment, are in
excess of Usual and Customary Charges.
Full Excess Benefits; SILC pays Covered Expenses:
1. after the Covered Person satisfies a Deductible of $100; and
2. SILC pays benefits in Coordination with any other Health Care Plan.
n Hospital miscellaneous expense during Hospital
Confinement, or for outpatient surgery under general
anesthetic, such as the cost of the operating room,
laboratory tests, x-ray examinations, anesthesia, drugs
or medicines, therapeutic services and supplies
n Inpatient or Outpatient MRI–CT–X-ray..
n Doctor's fees for surgery
n Anesthesia services
n Doctors visits, inpatient and outpatient
n Hospital Emergency care
n Ambulance expense
n Prescription Drugs
n Dental treatment for Injury to Sound Natural Teeth
n Registered Nurse expense.
Optional Accidental Death and Dismemberment Upgrade
Have you maxed out your life insurance? Do you have a medical condition that drives up life insurance costs? If you
die in an accident, your family could be left penniless. Increase your Primary AD&D benefit by $100,000 or $250,000.
This optional benefit allows you to add a substantial level of protection for you and your family. The family benefit
includes 60% of the Primary Sum for your spouse and 10% of the primary Sum for your dependent children. Don't
leave your family in jeopardy if the worst happens.

Many health insurance plans do not pay for the costs of
emergency room visits or accidents until their deductible is satisfied .
Exclusions
This plan does not provide benefits for:
n Sickness or treatment of a sickness, as described in the
definition of Injury
n Intentionally self-inflicted Injury
n Suicide or attempted suicide, whether sane or insane
n War or act of war, whether declared or not
n Injury sustained while on active duty as a member of the
armed forces (land, water, air) of any country or international
authority except Reserve National Guard Service
n Injury sustained while on any aircraft except a Civil
or Public Aircraft, or Military Transport Aircraft
n Injury sustained while on any aircraft: a) as a pilot,
crewmember or student pilot; b) as a flight instructor or
examiner; c) if it is owned, operated or leased by or on
behalf of the Policyholder; d) being used for tests, experimental
purposes, stunt flying, racing or endurance tests
n Injury sustained while taking drugs, including but not
limited to sedatives, narcotics, barbiturates, amphetamines,
or hallucinogens, unless as prescribed by or
administered by a Physician
n Injury sustained while riding or driving in a scheduled
race or testing any Motor Vehicle on tracks, speedways
or proving grounds
n Injury sustained while participating in or practicing for
any professional, semi-professional or intercollegiate
sports activity
n Injury sustained by insured or dependent over age
18 while participating in or practicing for any martial
art, mixed martial art or similar organized fight sports
activity including but not limited to boxing, wrestling,
karate, judo, "ultimate" fighting, kick boxing or
similar disciplines
n Injury sustained while driving or riding on motorized
wheeled vehicles during off-road use including but not
limited to all-terrain vehicles (ATV’s)
n Injury sustained where a Covered Person is the operator
and does not possess a current and valid motor vehicle
operator’s license, except in a Driver’s Education Program
n Injury sustained flying in an experimental aircraft, ultra
light, hang gliding, parachuting or bungee-cord jumping
n Injury sustained handling, storing or transporting
explosives or fireworks
n Injury sustained scaling up cliffs or mountain walls
or icebergs
n Injury sustained while spelunking (exploring caves)
n Injury sustained while participating in or practicing
for any rodeo event
n Injuries incurred from repetitive motion injuries, bursitis,
strains and tendinitis not related to a specific Injury
n Injury sustained while committing or attempting
to commit a felony
n Injury sustained while Intoxicated
n Injury sustained while driving while Intoxicated
n Intoxicated means: 1) the blood alcohol content;
2) the results of other means of testing blood alcohol
level; or 3) the results of other means of testing other
substances that meet or exceed the legal presumption of
intoxication, or under the influence, under the law of the
state where the accident occurred
n Expenses payable by any automobile insurance policy
without regard to fault. (This exclusion does not apply
in any state where prohibited)
n Covered medical expenses for which the Covered Person
would not be responsible for in the absence of the Policy
Accidental Death and Dismemberment, Loss of Sight, Speech and Hearing Benefit
The Principal Sum is Your Choice at Enrollment of $5000, $7500 or $10,000
Loss of Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .The Principal Sum
Loss of Both Hands or Both Feet or Sight of Both Eyes . . . . . . . . . . . . . . . . . . . . .The Principal Sum
Loss of One Hand and One Foot . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .The Principal Sum
Loss of Speech and Hearing in Both Ears . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .The Principal Sum
Loss of One Hand or One Foot and Sight of One Eye . . . . . . . . . . . . . . . . . . . . . . .The Principal Sum
Loss of One Hand or One Foot . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .One-Half The Principal Sum
Loss of Sight of One Eye . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .One-Half The Principal Sum
Loss of Speech or Hearing in Both Ears . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .One-Half The Principal Sum
Thumb and Index Finger of Either Hand . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .One-Quarter The Principal Sum

Optional Disability Income Benefit – Injury Only
n Elimination period: 7 days. n Benefit period: Up to 52 weeks. n Occupation: True own occupation
n Benefit amount: Up to $500 per week. n Benefit Calculation: Prior 6 months average.
In the event of a serious injury, paying the medical bills may be the least of your worries. If you can’t work, how
will you pay the rest of your bills? You still need to put food on the table, pay rent or mortgage, auto loans and all
the rest. Worse yet, what will you do if both you and your spouse are disabled and unable to work? Who is going to
pay the bills?
The answer is simple. Include the optional AccidentSHIELD Accident DI benefit in your WBA membership. This is
a true “Own Occupation” plan thats pays when a disabling injury prevents you from working in your job. Not any
job you are “suited to perform”. Your Job.
If a covered injury results in disability lasting more than 7 days, AccidentSHIELD Accident DI will pay 65% of your
weekly income, up to $500 for a full 52 weeks. Your actual benefit will be based on your average reported income
during the previous 6 months. Choose the Primary & Spouse option and this protection will cover your working
spouse if he or she is injured.
SILC will pay a Disability Income Benefit when you are Disabled due to a covered injury. Benefit is limited to
the Primary WBA member unless Spouse benefit is chosen. Other dependents are NOT eligible for this benefit.
Member (and spouse if covered) must be employed at time of application to qualify for the DI benefit.
Wholesale Benefits Association - Sales Administration by Comprehensive Insurance Agency, LLC – Rolling Meadows, IL
Starr Indemnity & Liability Company (SILC) provides the Accident Medical coverage, Accidental Death and Dismemberment
coverage and Accident Disability coverage. SILC does not provide nor is affiliated with the discount programs provided as a
part of membership in Wholesale Benefits Association. For a complete explanation of actual benefits, limitations, exclusions
and other provisions, please refer to the member benefits booklet and the insurance certificate. Benefits subject to change.
Health, Fitness and Medical
Your out-of-pocket expenses for an
accident could be $1000, $2000, $5000 or more!
Medical Service Negotiations: Save 20%-50% on imaging and lab tests at more than 5400 participating providers.
Diabetic Savings: Savings up to 60% on diabetic supplies and equipment.
Medical Supply: Discounts up to 50% off retail for thousands of medical supply and equipment needs.
Rx: Deep discounts on generic and brand name drugs via mail order and at more than 65,000 pharmacies.
Lasik: Up to-50% off Lasik surgery at over 750 locations. Flexible financing plans as low as $53 per month.
Fitness Clubs: 1500 fitness centers, savings up to 60% on monthly dues, lowest price guarantee.
Vitamins: Buy direct from the manufacture for savings up to 75% Low price guarantee.
Retail Shopping for Almost Everything
Mega Mall: Online savings from Wal-Mart, Half.com, Target Overstock, Buy.com and 300 other names you trust.
GreenBack Street: Cash back in your account from more than 1100 of the most popular online retailers.
Coupons and Discounts: Get coupons and promotional discounts for over 50,000 stores and services.
Magazines: Guaranteed lowest subscription price on over 700 magazines. Save up to 85% off the newsstand price.
Flowers: Save 15% at a trusted national consumer direct florist.
Carpet: Go factory direct and save up to 70% on residential and commercial carpet.

Travel and Entertainment
Dining: Purchase deeply discounted certificates for many of your favorite local restaurants.
Movies: All tickets are $6.50. Savings up to 40% at 7 well known national theatre chains
Theme Parks: Discounts, coupons and package savings at Sea World, Busch Gardens and other theme parks.
Cruises, Packages and Tours: Deep discounts, free upgrades and special credits on travel throughout the world.
Hotels and Airfare: Up to 30% savings off standard or published rates.
Real Estate and Moving
Realtors: Cash rewards for members up to $1000 or more with expert Realtors.
Mortgage: Competitive rates, reduced fees and a $300 member cash reward.
Moving: Discounts with North American and Allied, up to 50% off for interstate moving.
Storage: Discounts, extra storage time and no “peak season” increase related to interstate moving.
Vehicle Savings
Auto Lube: $5 off every oil change at Jiffy Lube.
Auto Repair: 5% to 10% off at participating Meineke Car Centers.
Auto Purchase: Professional negotiation for the best price on your next new or certified used vehicle.
Auto Rental: Up to 25% off at Hertz, Budget, Avis and many other regional and national chains.
Truck Rental: Save 15% at Budget Truck Rental.
RV Rental: Save 10% on time and mileage on motor homes, campers, Blazers and motorcycles.
Special Family Services
Parent Coaching: 50% off Mike Robert’s parent coaching membership.
Funeral Concierge: A consumer advocate for your family when you need it most.
Pet Health
Pet Health Insurance: Members get 5% off regular rates for Veterinarian preferred pet health insurance plans.
Pet Rx: At last, a discount plan for your furry family member’s prescriptions.
The Wholesale Benefit Association (WBA) is a membership organization dedicated to bringing deeply discounted
services to families and small businesses all across America. Through the buying-power of the WBA, members
enjoy substantial savings for a variety of essential health related services. These services are assembled from the
finest providers throughout the country and combined into a single plan.
Association members receive a benefits package containing detailed plan descriptions, instructions, toll-free numbers,
and website addresses. The WBA supplies benefits to our members at the lowest possible prices, and continuously
seeks additional high-quality service plans to further enhance the overall value each membership provides.
Wholesale Benefits Association
Marketed Nationally By:
Comprehensive Insurance Agency, LLC
3601 Algonquin Road – Suite 605
Rolling Meadows, Illinois 60008
Voice: 847-483-9484 Fax: 847-483-9485
Your Local Representative: