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Create a Family Emergency Plan

This helpful tool lets you document your insurance policies and financial accounts, so you have quick access to this information if something happens to you or your home.

Take These Steps to Help Ensure Your Family's Safety in the Event of a Disaster.

While it's never pleasant to think about the possibility of a natural disaster or other catastrophe striking, you can gain peace of mind by taking some time to prepare for the unexpected. By creating a plan in advance, you can make sure that you and your family evacuate quickly and safely with the most important things you need.

A smart way to get started: fill out the How to Build an I.C.E. Pack in Case of Emergency and keep it in a safe place outside your home. This helpful tool lets you document your personal records, such as insurance policies and financial accounts, so you have quick access to this information if something happens to you or your home.

Five More Tips to Follow:

1. Identify the top risks to your area

Learn about the types of disasters most likely to occur where you live by contacting your state’s office of emergency management. Then go to the Department of Homeland Security’s Ready.gov website and become informed about what actions to take to protect yourself in specific situations. You’ll find information on what to do in the event of an earthquake, a hurricane, a tornado or even an act of bioterrorism.

2. Hold a family meeting

You should discuss your evacuation route and establish a meeting place, in case family members become separated. Consider any special needs that your loved ones may have, too, such as disabilities or medication needs, and discuss how you can assist each other. Finally, designate a contact person in a different part of the country who can coordinate communication if necessary. The Federal Emergency Management Agency (FEMA) suggests that every family member carry a wallet-sized card, available at Ready.gov, with essential emergency contact information.1

3. Put together a disaster kit

Get a plastic container and stock it with a first-aid kit, flashlights, batteries, blankets and enough non-perishable food and water for a few days. Make sure you refresh supplies every year.

4. Assemble important financial papers

Ideally, you’ll keep these papers — insurance certificates and other vital documents — in a watertight, fireproof safe or a safety deposit box. That way, if you need to file a claim, you can get the process started swiftly. You can also scan important documents like driver’s licenses, Social Security cards, and tax statements and upload them online for safekeeping.

5. Make an inventory of your possessions

Spend an hour going through your house, documenting your belongings with a camera or smart phone. That way you’ll have a record of anything you may lose or that may be damaged in an emergency. Ensuring a safe, happy future

You may have life and disability insurance in place to make sure you and your family are taken care of in the event of illness, injury or loss of life. Think of your family’s emergency plan as an additional insurance policy that lets you go about day-to-day life with less worry. You have taken every step to ensure a safe, happy future for yourself and your loved ones.

1https://www.fema.gov/pdf/areyouready/areyouready_full.pdf

CLC.2458975 (02.21)
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The information on this website is not a contract. Protective refers to Protective Life Insurance Company (PLICO) and its affiliates, including Protective Life and Annuity Company (PLAIC). PLICO, founded in 1907, is located in Nashville, TN and is licensed in all states excluding New York. PLAIC is located in Birmingham, AL, and is licensed in New York.

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Policies issued by PLICO in all states except New York: Term Life Insurance1 (TL-P 1-21), Student Term Life Insurance (TL-ST-P 2-21), Universal Life Insurance1 (TP-P 11-20), Level Term Insurance2 (LT-P 1-21), Disability Income Protection Insurance3 (IP-P 7-20), Office Overhead Expense Disability Insurance4 (OE-P 9-20), Student Disability Income Insurance3 (ST-P 8-20), Hospital Indemnity Insurance (HI-P 11-20), and Critical Illness Insurance (CI-P 7-20).

In New York, policies issued by PLAIC: Term Life Insurance1 (TL-P-NY 1-21), Student Term Life Insurance (TL-ST-P-NY 2-21), Universal Life Insurance1 (TP-P-NY 2-21), Level Term Life Insurance2 (LT-P-NY 2-21), Disability Income Protection Insurance3 (IP-P-NY 12-20), Office Overhead Expense Disability Insurance4 (OE-P-NY 01-21), Student Disability Income Insurance1 (ST-P-NY 1-21), Hospital Indemnity Insurance (HI-P-NY 1-21), and Critical Illness Insurance (CI-P-NY).

Consult the policy for benefits, riders, limitations, and exclusions. Benefits adjusted for misstatements of age or sex. Benefits are provided under a group policy issued to the ADA. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. An insured must maintain continuous ADA membership to remain eligible for insurance.

1For term life insurance and universal life insurance, premiums increase annually based on age. The Premium Credit is not guaranteed but reevaluated periodically. Universal life recommended premiums consist of the costs of insurance (which vary based on the member’s age and coverage amount), the amount a member places into the Policy Value Account and service charge. Premium deposits may fluctuate or remain level.

2For level term life insurance, premiums are fixed based on the member’s age, gender and coverage amount at issue.

3Premiums increase every five years based on age for disability income protection. Premium Credit is not guaranteed but reevaluated periodically.

4Premiums increase every 10 years based on age to age 60 and every 5 years thereafter to age 75 for office overhead expense disability. Premium credit is not guaranteed but reevaluated periodically.

Coverage for dental student members is issued regardless of condition if under age 60. Coverage automatically renews each academic year. Individuals may convert coverage to the plans for practicing dentists after graduation by paying member premiums and maintaining continuous ADA membership.

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