Merry Rama Insurance

Agent - Harding & Harding Inc.
American Livestock Insurance Co.
Livestock Mortality Insurance
Covering Death from Accident or Disease
Insurance Form (PDF File)

Cattle-Beef or Dairy
Age Limit 3 months to 7 years

15 day Term $1.50 per $100.00
(A 15 day policy may be endorsed "15 day cover to have it's effective starting date at time of actual shipment")

1 Month Term $2.50 per $100.00

2 Month Term $3.00 per $100.00

3 Month Term $3.50 per $100.00

6 Month Term $4.00 per $100.00

1 Year Term $6.00 per $100.00

Age Exceptions - Note Added Premium

Calves:
2 weeks to 7 weeks $4.00 per $100.00

7 weeks to 3 months $2.00 per $100.00

Bulls/Cows:
Bulls past 6 yrs up to 8th Birthday, eligible for insurance after amount of cover has been confirmed by Company. $1.00 per hundred additional premium charged for each year or part over 7th birthday. At 9th birthday insurance not available.

Cows past 7 may be covered in the same manner. At 10th Birthday annual insurance not payable.

Premium Payment Plans Available

The loss of a newly purchased animal is a complete financial loss of the dollar value you paid for the animal.

Unless she is insured!

Insurance Form (PDF File)

Important

1. Livestock Mortality Insurance is written for the purpose of protecting the actual investment of the livestock owner, not potential gain or profit

2. A mortality policy cannot be construed in any way as a maintenance coverage: it does not include veterinarian or similar expenses.

3. Indemnity is payable only as a result of death loss.

4. Mortality coverage does not indemnify an insured against loss of an animal's ability to perform the functions for which it is kept

5. Death from natural or accidental causes is included, but mandatory slaughter by governmental authority or decree or for expediency is not included.

6. The basis for valuing an animal should he actual sales price or fair and conservative appraisal by competent judges when no actual sales transaction has taken place. These values shall be subject to acceptance by Company.

7. Mortality insurance is renewable only onevidence of reinsure ability, both as to physical condition and market value.

8. Cancellation may only be effected by the insured, or by the company on notice given in conformation with whatever existing laws govern for the address of the insured as shown on the policy. Short rate basis if ordered by insured and pro rata basis if by the company.

9. Policies may not be transferred from one insured ~ another unless agreed to through endorsement by company nor may cover be switched from one animal to another unless agreed to by Company

10. Application subject to acceptance by company.