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Welcome to the American Income Life Special Risk Division blog. Here you can read camp safety tips, health insurance news, 4-H updates, and what's going on with the Special Risk Division. We want to keep you informed! To stay updated, subscribe to this blog! AIL's Special Risk Division remains exclusively involved with a single niche market. We've chosen to specialize in group activity accident and illness insurance because that's what we do best.

FAQ – 4-H Special Activities Coverage for Accident or Illness

Is the 4-H Event Insurance only for 4-H participants (registered members) and 4-H volunteers or does it cover parents, siblings, or the general public during a 4-H fair or 4-H horse show?

The 4-H event insurance, also known as Special Activities Coverage for Accident or Illness (Policy 717) insures all participants in any 4-H or extension sponsored activity.  Participants may be enrolled 4-H members, non 4-Hers, volunteers, parents, siblings, and guests.  The key requirement is that they are participants and not spectators.

For example, any participants and volunteers assisting with a 4-H horse show would be included in the insurance.  If someone is attending to only view the show, they would not be covered.  If a parent or sibling is assisting the participant, helping with a show function, or serving as a volunteer, they would be covered.  If the parent or sibling is only attending as a spectator, they would not be included in the insurance.



The Most Common 4-H Injuries

Thousands of 4-H activities are insured each year by the American Income Life Special Risk Division ranging from club meetings to county fairs to summer camp.  Not suprisingly equine related incidents account for the most accidents submitted to the company.  Broken bones after falling from a horse is the number one injury reported, followed closely by sprains and strains also suffered after falling from the saddle.  Bruises/contusions and head injuries after falling from a horse are the fifth and sixth most common injuries processed by our claims department. 

Cuts and lacerations caused by a sharp object is the third most common injury suffered by participants in 4-H events.  No particular activity contributes to the incident more than others.  Injuries have occurred while fishing, whittling wood, working at a food stand, or hiking at camp.  Fourth on our list of most common injuries is physical trauma suffered while working with a large animal.  Typical scenarios are a youth or adult being struck or crushed while working with the animal in an enclosed area.  A youth being dragged by a large animal who bolts is also a common occurrence. 

Overall 4-H and Cooperative Extension youth programs do an outstanding job of promoting good risk management and providing safe and age appropriate activities.  It is impossible to eliminate all accidents, so be sure to remain diligent in following and implementing safety guideline and rules provided by your state and county 4-H offices and the facilities used for the activities you sponsor.  When accidents do occur, we stand ready to respond promptly to the needs of our 4-H policyholders by providing excellent service designed to promote your commitment to the health and safety of the youth you serve.


How To Insure 4-H Winter Sports

Injuries sustained while tobogganing, sledding, tubing or downhill skiing are not covered under the dollar-a-year policy for 4-H Clubs.  However full coverage is available by using special event coverage offered by the American Income Life Special Risk Division.  Extension Staff and Volunteer Leaders may request coverage for snow sports using Special Activities Coverage for Accident or Illness.  Just follow the 4-H and Extension links at and click “apply online”.

All three plan options are available to insure a snow sport activity.  There are no benefit limits when someone is injured while skiing, sledding, tubing or tobogganing.  Remember to report activity dates before you leave, and submit premium payment immediately after you return with the remittance copy.  We also suggest printing out a claim form from the website and carrying it with the confirmation of coverage.  Please contact our office with any questions you may have about insuing your winter activities.


Look For The AIL Special Risk Division At These 2012 Tradeshows and Meetings

Southern Baptist Camping Association  February 19-21  Woodworth, LA

American Camp Association National  February 22-23  Atlanta, GA

Mid States Camp Conference  March 8-9  St. Charles, IL

Tri-State Camp Conference March 14-16 Atlantic City, NJ

NACAA  AM/PIC  July 14-19  Charleston, SC

Student Youth Travel Association August 24-27  Nashville, TN

COE Annual Conference  September 24-28 New York, NY

NEAFCS Annual Session  September 24-28 Columbus, OH

4-H Congress  November 24-26  Atlanta, GA

Christian Camp and Conference Assoc.  December 3-6 San Diego, CA


4-H Insurance – Important Changes for 2012

The American Income Life Special Risk Division and 4-H have enjoyed a unique relationship for six decades which has benefited extension staff, volunteer leaders, and youth participants.  Beginning in the 1950's, the company designed special coverages exclusively for 4-H and Cooperative Extension Programs.  First-dollar primary plans are designed to cover the typical accidents and illnesses which occur during youth activities.  Today the vast majority of County, Regional, and State 4-H offices utilize our service.

The company is pleased to announce important changes to our Special Activities Coverage for Accident or Illness effective January 1, 2012.  This marks the first time in our history significant benefit increases are being offered as well as extending full coverage to snow sports and horse activities.   Please carefully review the new rate and benefit options as they are completely different from the old Plans 1, 2, and 3.

Frequently Asked Questions

Are Special Activities Coverage benefits still primary?

Yes.  The new options provide first dollar benefits that pay first regardless of other insurance.  There is no deductible for accidents or illnesses.

Are there any limitations for snow sports or horse activities?

No.  You may select any option to insure participants in snow sports and horse related activities.  This enables you to provide up to $5000.00 in accident coverage for these types of events.

What is the new minimum premium?

The new minimum premium is $8.00 per activity.

May I use my old red, white, and blue Special Activities brochure?

No, please discard your old brochures.  New brochures feature the round AIL logo and Special Risk Division logo (jumping kids).

Are there any changes to the $1-a-year 4-H Club policy?

No. Rates and benefits for the $1-a-year policy remain the same for 2012.

Please e-mail with any comments or questions.


Less Than 45% Have Employer Provided Health Insurance According to Gallup

If a recent survey published at is correct, a large number of youth participating in camp, 4-H, pre-college programs, and other youth activities may not be insured under employer-based insurance coverage.  According to the Gallup-Healthways Well Being Index only 44.5% of adults are covered at work.  In addition, over 17% of adults have no insurance.  Remaining adults were insured by a government plan or a category termed “something else”.

The report concludes future coverage cut backs are likely as businesses and all levels of government struggle with tough economic conditions.  A common restriction workers will see in 2012 are new requirements designed to limit work based coverage for spouses.  Gallup says employer based insurance coverage has been steadily declining since 2009.