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Critical Illness Insurance is designed to ease the financial pressure brought on by loss of work and unexpected expenses when diagnosed with a critical illness by providing a lump sum cash benefit paid directly to you upon the diagnosis of a covered illness such as Internal Cancer, Heart Attack, Stroke, End Stage Renal Failure, Major Organ Transplant, Coronary Artery Bypass and Angioplasty. Our critical illness option provides unique coverage that allows benefits for 2 different kinds of certain critical illness (such as cancer and stroke) as long as they are separated by more than 90 days. Meaning, it pays the lump sum twice on the same plan if needed.

When a covered accident occurs, the last thing you want on your mind is to worry about the charges accumulating while you are in the Emergency Room.

An accident can leave your family with a great financial burden. Protect yourself and your family with 24 Hour Accident insurance, with coverage that applies to traveling, commuting, workplace accidents, being at home, and during many other situations.:

Providing Worldwide Protection and Guaranteed renewable to age 80

Optional Accident Disability Benefit Riders are also available.

Don’t want to change insurance plans?  Make your current Health Insurance more affordable.

As health care costs continue to increase, many individuals and businesses are moving towards high-deductibles and increased co-insurance on major medical plans in an effort to reduce costs. While this approach reduces the cost of your health insurance, it puts you at greater financial risk. In fact, more than six in 10 adults who say they have problems paying their medical bills are covered by health insurance. Read More

A unique “hybrid” dental plan that combines traditional dental coverage with PPO discounts. A new breed of dental plans that covers the services you want at a price you can afford. Special features include:

• PPO (Preferred Provider Organization) network pricing at over 169,000 access points across the United States
• You will receive pre-negotiated prices when using a network provider
• No waiting periods on Diagnostic & Preventative services
• Diagnostic & Preventative paid at 100% when using a PPO service provider
• Freedom of choice. Unlike many PPO plans that will not pay anything if you go outside their network, this plan will pay the non-network provider at the same rate as if they were in network. You will only be responsible for any charges above the PPO fees paid.

Contact one of our agents to customize a plan for you today.

As you know Medicare does not pay for all of your medical expenses. There are gaps in Medicare’s coverage that can cause severe financial strain if you are not protected.

To read the Official Government Guide from the Centers for Medicare and Medicaid click on the link below.

2019 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare