Ancillary & Supplemental Plans

Disability Insurance

Are you neglecting your income protection needs? How would you replace your lost income or the loss of your ability to continue saving for your future? Your income is the foundation of your financial strategy. It’s what makes everything else possible. So just as you protect yourself against unexpected property damage, medical expenses and loss of life, you should also protect yourself against loss of income due to short or long disability.

What would happen if you became too sick or hurt to work? Would you have enough income to maintain your lifestyle and protect your family’s future? For many people, the answer is “NO”.

Disability insurance is more important than life insurance because you are more likely to become disabled before age 65. You deserve to know all the details and how the policy can be tailored to meet your needs.

Cancer or Critical Illness Insurance

Wouldn’t a check be better than a get well card? Living benefits are paid directly to you. You choose how to spend the benefit at a time when you and your family may need the extra cash the most. Advanced medical technology is allowing many more people to survive critical illnesses that would have been fatal in the past.

These plans are designed to pay a lump sum benefit for your first diagnosis of the following covered conditions:

  • Invasive Cancer
  • Heart Attack
  • Stroke
  • End Stage Renal Failure
  • Major Organ Transplant
  • Terminal Illness
  • Advanced Alzheimer’s Disease
  • Loss of Independent Living
  • Loss of Limbs
  • Major Burns
  • Paralysis
  • Coronary Bypass Surgery
  • Heart Valve Replacement/Repair Surgery

Accident Plans

You can protect your wages and savings with Personal Accident Insurance. Your medical plan provides benefits to help with medical costs if you suffer an accidental injury. In that unfortunate event, you shouldn’t have to worry about unexpected financial setbacks as a result of an injury. Things like lost wages plus your out-of-pocket expenses and the cost for help with transportation, meals, child care, or even housekeeping can all add up. Personal Accident Insurance provides cash benefits regardless of any other insurance you have. By pairing it with your medical plan, you can extend your protection to help with those unexpected costs so you can focus on healing.

Gap Plans

Gap plans can be considered all in one. These plans can include accident, critical illness, and emergency room coverage all in one plan, for one monthly payment. Around 1 in 5 people in the US have experienced an unintentional injury resulting in a consult with an emergency room. If you have to go to the emergency room, these plans can help pay your costs associated with that, even if your insurance will not. Gap plans will help you pay for unexpected costs that may arise that you are not prepared for.

Income Protection Plans

Income Protection plans pay a cash benefit for a certain amount of time. This benefit can start being utilized during times of total disability when you are no longer able to work due to illness or injury. It can pay this cash benefit for up to 12 or 24 months.

Travel Insurance Plans

Travel insurance can be very beneficial if you have are traveling abroad, it will safeguard you by using the following benefits:

 

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