ERIE's Pioneer Family Auto Insurance

Why Choose The ERIE?

Many people choose the Erie Insurance Group to insure their autos because of our competitive prices. In fact we can now offer a 14% annual savings on your auto insurance if you carry your auto, home and life insurance with the Erie Insurance Group. But we are much more than that!  We also provide the highest level of customer service, over 30Xtra Features, flexibility and stability that ranks at the top of the industry. 

Our Pioneer Family Auto Insurance Policy provides added protection to your family with over 30 Xtra Features!

Here are just a few of the Xtra Features you'll find in our policy:

• The ERIE will pay up to $100 a day for incurred loss of earnings for your assistance in our investigative or defense of a claim or suit filed against you.
• The ERIE will pay up to $500 for the expense of bail bonds arising from an accident or related traffic violation.
• The ERIE will pay up to $1000 for loss to a non-owned trailer.

• The ERIE will waive your Comprehensive deductible when a damaged windshield is repaired rather than replaced. (Additional premium required in New York.)
• The ERIE will pay up to $350 for loss to personal effects resulting from a covered loss while the personal effects are in or upon an auto we insure. (Theft losses are covered if the entire vehicle is stolen.)
• The ERIE will pay up to $50 for costs incurred for locksmith services if keys are accidentally locked in an auto we insure.
• The ERIE will waive the collision deductible in the event of an accident between two autos insured by The ERIE, or if the driver of an auto not insured by The ERIE is identified, solely liable and insured.  Damage to the insured vehicle must be greater than the deductible.

HOMEOWNERS

ERIE's HomeProtector Program

Introducing the Ultracover Policy of The ERIE HomeProtector Program.  Broad in coverage and solid in Xtra Features, it is the latest example of the pioneering spirit that has made ERIE a top-rated company for 75 years.

Xtra Features (Superior Protection)

Each innovative policy includes more than 50 extra protection features.  Some of these include:

• Coverage up to $2,500 for loss due to theft, forgery or unauthorized use of a credit card and unknowingly accepting counterfeit money.
• Payment up to the Personal Property limit for loss to contents of a refrigerator or freezer from either power or mechanical failure.
• Coverage up to $3,000 for theft, misplacing or losing of jewelry, watches and furs.
• Reimbursement for fire extinguisher recharge after a fire loss.
• Payment for replacement of automatic garage door transmitters which have been stolen.  Coverage is also provided for cost to reprogram the frequency on additional transmitters and/or the control unit box.
• Coverage up to $3,000 for theft, misplacing or losing of guns and related equipment.

LIFE INSURANCE PRODUCTS

TERM INSURANCE

Erie Family Life offers a wide variety of term insurance products to meet your Life insurance needs.  If you need protection to cover a loan or want to provide income for your family, term insurance is a great way to get the most coverage for the least amount of premium over a specified period of years.

ERIE's Flagship Term 2 Life Insurance

• You can buy a 10, 20, or 30 year level premium plan
• Coverage to age 95
• Premiums are guaranteed for 10 years
• Policy is convertible to a Permanent policy up to age 70
• Accelerated Death Benefit Option

ERIE's Flagship Term Plus

• Rates are guaranteed for 20 or 30 year level premium period
• Coverage to age 95
• Policy is convertible to Permanent policy during the level premium period or To Age 70 whichever occurs first.

UNIVERSAL LIFE

Universal life insurance provides financial security for your family or business by combining the best features of term and permanent life insurance.  It includes life insurance protection with an account value that earns tax-deferred interest.  It can also be adjusted to meet your changing needs.  Choose the amount of protection you want and design a premium schedule to match your budget. 

ERIEflex

• Minimum policy size $20,000 ($10,000 for age 55 and older).
• Policy is designed for individuals who need less than $100,000 of Protection.
• Offers a Level Death Benefit (Option A) or an Increasing Death Benefit (Option B).
• Offers a Guaranteed Minimum interest rate for your lifetime.
• Offers a Current Interest Rate if higher than the guaranteed minimum.

ERIEflex2

• Designed for individuals who need larger amounts of permanent protection.
• Minimum policy size $100,000 ($50,000 for age 55 and older).
• Offers a Level Death Benefit (Option A) or an Increasing Death Benefit (Option B).
• Offers a Guaranteed Minimum interest rate for your lifetime.
• Offers a Current Interest rate if higher than the guaranteed premium.

With either plan, cash values can be withdrawn for emergencies or to take advantage of financial opportunities.

ANNUITIES

The ERIE Family Life offers competitive and flexible fixed income annuities.  The ERIE Flagship Annuity Series provides you with the following annuity options:

• Flexible Premium Deferred Annuity
• Single Premium Deferred Annuity
• Enhanced Single Premium Deferred Annuity
• Single Premium Immediate Annuity

FLEXIBLE PREMIUM DEFERRED ANNUITY

• Designed for long-term tax-deferred accumulation
• Ideal if you have several years until retirement
• Eight year surrender charge period
• Surrender charges will be waived if annuitant has terminal illness or is in a skilled long-term care facility.
• Can withdraw up to 10% of the account value without incurring surrender charges.
• Minimum premium is $300.
• Minimum interest rate is 3% for the life of the contract.

SINGLE PREMIUM DEFERRED ANNUITY

• You pay one premium.
• Minimum interest rate is 3% for the life of the contract.
• Six year surrender charge applies.
• Surrender charge will be waived if annuitant has terminal illness or is in a skilled long-term care facility.
• Can withdraw up to 10% of the account value without incurring surrender charges.
• Minimum premium is $10,000.

ENHANCED SINGLE PREMIUM DEFERRED ANNUITY

• You pay one premium.
• Minimum interest rate is 3% for life of the contract.
• Additional 2% of excess interest is applied over current rate in the first year of the contract.
• Additional .25% of excess interest is applied each year.
• Nine year surrender charge applies.
• Surrender charges will be waived if annuitant has terminal illness or is in a skilled long-term care facility.
• Can withdraw up to 10% of the account value without incurring surrender charges.
• Minimum premium is $50,000.

SINGLE PREMIUM IMMEDIATE ANNUITY

• Perfect for those who are retiring and want a guaranteed monthly income.
• Ideal option for lump sums received in a retirement.
• Since you will be receiving immediate income, no surrender charges apply.
• Minimum interest rate is 1.5% for life of contract.
• Current interest rate is declared by ERIE's Board of Directors.

To learn about ERIE's current interest rates on all of their annuity products, call us or visit www.erieinsurance.com.

DISABILITY INCOME INSURANCE

Loss of income due to a sickness or accident can be devastating to a family.  A disability income policy will help prevent that from happening. 

Principal's Individual Disability

• Designed to replace a portion of your earned income lost due to a disability.
• Provides an after tax benefit.
• Individually owned coverage that cannot be changed or canceled except for non-payment of premiums - nor can the policy be increased before age 65, regardless of changes in income, occupation or health.