Product Offerings

---

Nearly 2 million new cases of cancer are expected in the United States during 2023¹. Every 40 seconds someone has a heart attack². Every 40 seconds someone has a stroke². 

Indirect financial consequences of these unfortunate diagnoses often come as a surprise and can outweigh direct healthcare expenses. The policies we offer provide lump sum benefits paid directly to you so that you can utilize the money however you choose. 

Accidents happen. Each year there are approximately 25 million physician's office visits³ and 25 million emergency department visits⁴ for accidents and unintentional injuries. 

The accident coverage we offer helps to pay for out-of-pocket expenses and provides meaningful benefits for you and your loved ones. Benefits include: accidental death, emergency dental, hospital admission & confinement, ER / ICU treatment, concussion, chiropractic, air & ground ambulance, lodging & transportation, surgery and x-rays.

 The policies we offer let you pick any dentist regardless of network. No health questions are asked on the application and issuance is guaranteed for ages 18-85. Families with up to 3 children get discounted rates and coverage is guaranteed renewable for life.

Coverage includes things like dental exams, cleanings, x-rays, fillings, extractions, basic eye and hearing exams, contact lenses, and hearing aids. There's no waiting period for basic and preventative services. The yearly deductible is $100 per person, with a maximum benefit of $1,000 or $1,500.

 Hospital stays, planned or unexpected, can lead to high costs due to often complicated deductibles, coinsurances and copays. Our hospital indemnity plans cover the gaps left by major medical and limited benefit plans, easing the financial burden of hospitalization. 

Some of the plan benefits can include: inpatient, surgery, first dollar doctor's office visit, outpatient medical, emergency or urgent care, cancer benefits and prescription benefits. Plans feature no deductibles or coinsurance, $5,000,000 or unlimited lifetime maximums, 24/7/365 telehealth physician consultants, various health advocates and, benefits paid directly to the insured.

Life insurance provides financial security for your loved ones in the event of your untimely passing, ensuring they are not burdened by debts or living expenses. It's a critical step in planning for your family's future, offering peace of mind that they will be taken care of when you're no longer able to do so yourself. We offer both Term and Whole Life insurance from a number of leading carriers.

 In today's competitive market, rethinking your benefits strategy is crucial; not only can it significantly reduce costs, but it also plays a key role in employee retention. By offering innovative and personalized benefits, companies can demonstrate their investment in their employees' well-being and future, which in turn fosters loyalty and attracts top talent. A strategic approach to benefits can give your company an edge by boosting morale and productivity while managing expenses efficiently. 

1. American Cancer Society. Cancer Facts & Figures 2023.  Atlanta: American Cancer Society; 2023.
2. Tsao CW, Aday AW, Almarzooq ZI, Beaton AZ, Bittencourt MS, Boehme AK, et al. Heart Disease and Stroke    Statistics—2023 Update: A Report From the American Heart Association. Circulation. 2023;147:e93–e621.
3. Santo L, Okeyode T. National Ambulatory Medical Care Survey: 2018 National Summary Tables, table 16.
4. Cairns C, Kang K. National Hospital Ambulatory Medical Care Survey: 2021 emergency department summary tables, table 15.