skip to Main Content
Family Owned and Operated Broker Specialist & Plan Advisor

Supplementals

Want to protect your assets from large out of pocket exposure? When you’re picking a health insurance plan, your monthly premium is only one thing to consider. Supplementals will either reimburse you or pay out a fixed cash benefit for unexpected costs associated w/ the things you can’t plan for such as Accidents, Critical Illness, Accidental Death or Dismemberments. You will be able to pay for medical plan deductibles to household expenses. Supplements offer you viable means of financial protection from out-of-pocket exposure due to injuries, accidents or Long Term Illnesses.
By bundling w/ a supplemental, this will help pay costs that your insurance plan does not cover.

life insurance near me

Life Insurance (Guaranteed Issued/Standard)

Requires no medical exam! Term Life Insurance policy pays out life insurance benefits to your beneficiaries for any covered death. Accidental death insurance benefits are provided in the 1st year only, until the Life Insurance 1 year waiting period has elapsed, @ which point the full Life Insurance benefits goes into effect for the 2nd year and beyond. Benefit amounts range anywhere from $2500- $500,000, depending on policy discussed.

*Terms @ age 85. Does not require Underwriting, a medical exam. Guaranteed Issued*

accidental insurance

Accidental

Having an accidental policy allows you to cover your deductible in the event of an unexpected injury. You will receive reimbursement for any out-of-pocket expenses incurred as a result of an accident or injury. Adding an accident insurance supplement can help defray some of those costs. Statistically speaking, 60% of Americans don’t have enough savings to cover a $1000 ER visit. You wouldn’t want to get into a car accident before insuring your vehicle, correct? No limits to the number of accidents in a benefit period. Benefit levels range from $2500-$25,000.

critical illness

Critical Illness

Routine checkups & screenings may uncover something unexpected. Critical illness will pay money directly to you should you face a serious illness. You can use monies for lost wages, living expenses & non covered costs like deductibles, coinsurance and maximum out of pocket amounts. Covers cancer, major organ transplants, stroke & heart attack, and advanced Alzheimer’s disease diagnoses. Guaranteed issued. Pays out for each diagnoses individually. Benefit levels range from $2500-$25,000 per critical illness.

dental insurance

Dental

Having an accidental policy allows you to cover your deductible in the event of an unexpected injury. You will receive reimbursement for any out-of-pocket expenses incurred as a result of an accident or injury. Adding an accident insurance supplement can help defray some of those costs. Statistically speaking, 60% of Americans don’t have enough savings to cover a $1000 ER visit. You wouldn’t want to get into a car accident before insuring your vehicle, correct? No limits to the number of accidents in a benefit period. Benefit levels range from $2500-$25,000.

eye insurance

Vision

Your eyes are the window to your health. Will provide you access to most participating chains including LensCrafters, Pearle Vision, Visionworks, Target, and more. With the VSP network, you will have access to yearly eye exams, prescription glasses and contacts.

healthcare sharing ministry

Healthcare Sharing Ministry (501C not-for-profit)

Are all inclusive. Caring for one another is the foundation of a health sharing ministry. Are you health conscious? And adhere to a healthy standard of living? Are you like minded and are free from addictions & unhealthy lifestyles? These plans are flexible and affordable. Quick approval and a variety of plan design options to choose from. Even provide benefits for burial expenses. Pre-existing conditions are covered after a waiting period, subject to the terms located in the plans schedule of benefits.

health insurance agents near me

Hospital Indemnity

Helps YOU protect YOURSELF from high out of pocket exposure in the event you are hospitalized. Hospital indemnity will provide a fixed amount of money per day over a set period, while you are hospitalized or under medical care. Even pays for office visits, blood work, and more. Good for planned pregnancies.

pet health insurance

Pet Insurance

Pet insurance is a health care policy for your pet, that will reimburse you for certain medical expenses. Having a pet plan will protect your finances if your pet becomes unexpectedly sick or gets into an accident. Empowers you to not have to choose between your financial stability and your pet’s life. This will allow you to focus on their health rather than the cost of their care.

student travel insurance

Immigrational Student Travel Packages

Travel medical insurance for individuals, families, and groups. Travel medical insurance will provide coverage for non-US residents traveling to the USA. These packages are inclusive of COVID-19 coverage for travelers to the USA and provides coverage for acute onset of a pre-existing condition. Renewable up to 24 months.

long term disability insurance

Long Term Disability

This is paycheck protection! This Is the best way to protect your assets, after an injury. LTD replaces all or a percentage of your income if you become disabled due to illness or injury and no longer can work. Experiencing a disability event during your career is just too high to ignore. These benefits will pay up to a percentage of your salary, ranging anywhere from $25 a month to $2000. Pays you up to 2 years under the own occupation rule.

*These plans are not ACA compliant. Does not cover pre-existing conditions, subject to the terms and conditions.

Back To Top