Tailored insurance for your life and health.

Coverage ends. You can either renew (at a higher cost), convert, or let it lapse.

If you stop paying premiums and don’t have a nonforfeiture benefit or return-of-premium rider, your policy may lapse and you’ll lose coverage. Some hybrid or paid-up policies allow for partial benefits or refunds if you stop early.

If your MA plan is discontinued, you get a Special Enrollment Period to switch plans or revert to Original Medicare—typically lasting through late February.

You must report income changes to the Marketplace as soon as possible. It can affect your premium tax credit amount or eligibility for subsidies. Failing to report may result in owing money when you file taxes.

Most policies include a grace period (typically 30 days). If payment isn’t received within that time, the policy may lapse and coverage ends. Some policies may offer reinstatement options if caught up quickly.

If you miss Open Enrollment, you can only enroll if you qualify for a Special Enrollment Period (SEP) due to a major life change—such as job loss, marriage, divorce, birth of a child, or moving. Medicaid and CHIP enrollment is available year-round.

You can cancel at any time—most policies include a free-look period (usually 10–30 days) for a full refund if canceled early .

A Medicare Advantage (MA or Part C) plan is a private insurance alternative to Original Medicare that combines coverage for hospital (Part A), medical (Part B), and usually prescription drugs (Part D) into one bundled plan.

Medigap, or Medicare Supplement Insurance, helps cover the out-of-pocket costs left by Original Medicare (Parts A & B), such as deductibles, coinsurance, and copays.

Accident insurance is a supplemental policy that pays you a lump-sum or cash benefit when you suffer a covered injury or require specified medical services due to an accident

An elimination period is the waiting time before benefits start. It’s usually 7–30 days for STD and around 90 days for LTD.

CFAR is an optional upgrade that lets you cancel for reasons not otherwise covered, usually reimbursing a percentage (often 50–75%) of prepaid costs if purchased within the plan’s time window and other conditions are met. It costs more but adds flexibility.

Cancer insurance is a supplemental health policy that pays a lump-sum cash benefit upon a cancer diagnosis. Unlike regular health insurance, benefits are paid directly to you and can help cover treatment costs, household bills, and more

A portion of each premium accumulates as cash value, earning guaranteed interest, which you can withdraw or borrow against during your lifetime.

A form of supplemental coverage that pays you a lump-sum cash benefit if you’re diagnosed with a serious condition like a heart attack, stroke, invasive cancer, or major organ failure.