Hospital and Surgery Indemnity

  • No deductibles

  • Hospital confinement & observation care

  • ICU confinement

  • Inpatient doctors visits

  • Inpatient & outpatient surgery

  • Outpatient Chemo/Radiation therapy

  • This policy is “flexible”-you select the benefits that best meet your needs

  • You select your own hospital or physician

  • Benefits may be paid directly to you or whomever you assign

  • All benefits “renew” each policy year

Catastrophic Disease

  • One lifetime deductible. You choose your deductible amount

  • Coverage for hospital charges

  • Radiology

  • Chemotherapy/Radiation therapy

  • Surgery

  • Nursing and rehabilitation

  • Outpatient phototherapy

  • No network restrictions-choose any hospital, doctor or facility

  • Benefits for many types of services, in and out of the hospital

  • This policy has a Renewal safeguard provision

Medicare Supplement Insurance 

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  • Assistance with Part D coverage

  • Free Dental and Vision component

  • We offer many different supplement plans

Accident 

  • $500, $1,000 or $2,000 deductible

  • Hospital room

  • Emergency room/Urgent care

  • Intensive care

  • Miscellaneous hospital expenses

  • Radiology

  • Surgery

  • Anesthesia

  • Pathology

Dental & Vision

  • No networks. You choose the doctor or dentist you want

  • Preventative care with no deductibles

  • Guaranteed renewable

  • No waiting period for check-ups

  • Up to $1500 per covered person per year

  • Eye exams

  • Lenses, frames and contacts

Outpatient Care

  • No deductibles or co-pays

  • Doctor’s visits

  • Labs

  • Imaging

  • Colonoscopies

  • Mammograms

  • Ambulance

  • Emergency room

  • Prescription drugs

Home Health Care

  • Coverage is available for ages 19-85

  • No network restrictions or out of network penalties

  • No deductibles or co-pays

  • In home health care services

  • Home health care aide

  • Home medical equipment

  • Home doctor’s calls

  • Emergency room or Urgent care visits

  • Prescriptions

  • Dental, eye and hearing exams

Life Insurance

  • Whole life coverage from $10,000-$250,000

  • Simplified enrollment with no health examinations

  • Premiums guaranteed never to increase

  • Benefits will not reduce as you get older

  • Guaranteed cash value

  • Chronic and terminal illness benefits

  • Short term care coverage

why choose our plans?

Security

  • The renewal safeguard provision means your policy cannot be canceled unless you fail to pay premiums as due, or if we cancel all the same policies in your state. 

  • You cannot be singled out for rate increases. 

  • The convenience and security of knowing that your agent or the Company is just a phone call away. 

  • First dollar benefits for some preventive care services with no deductible. 

Convenience 

  • Initial premiums can be paid by MasterCard, VISA, Discover, American Express, check or money order. 

  • Tailor-make your insurance plan to fit your budget for affordable rates. 

  • Discount for initial annual premium over quarterly, semi-annual or monthly modes. 

Freedom

  • No pre-authorization, pre-admission or second opinion requirements. 

  • This is NOT managed care. You choose your own doctor hospital. 

  • We pay wherever you travel… anywhere in the world. 

  • Payment direct to you or the provider. You get to choose! 

Personal Consultation 

  • Good anywhere in the world – in or out of the USA. 

  • Portability – you can take your insurance with you if you move or change jobs. 

  • First day, first dollar coverage on most claims, Pays regardless of other coverage you may have