Tailored insurance for your life and health.

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.

Disability insurance—also known as disability income insurance—provides a portion of your income if you’re unable to work due to illness or injury. It’s not tied to workplace accidents like workers’ compensation.

DVH insurance bundles supplemental plans for dental, vision, and hearing into a single, streamlined policy—offering comprehensive coverage for routine and corrective care often not included in standard medical plans.

Medicare offers the Extra Help program for low-income individuals (under ~150% FPL), which may eliminate premiums/deductibles and waive late penalties, with year-round plan changes allowed.

Final expense insurance is a small permanent life insurance policy, designed to cover end-of-life costs like funeral, burial, medical, or legal expenses. It provides a guaranteed death benefit—usually between $2,000 to $50,000—paid directly to your beneficiaries.

Hospital indemnity—which is a form of fixed-benefit supplemental insurance—provides set cash payments directly to you for hospital admissions and stays due to illness or injury. These are paid regardless of your actual medical bills.

It’s a policy that helps cover the costs of services for individuals who can no longer perform basic activities of daily living (ADLs)—like bathing, dressing, or eating—whether at home, in assisted-living, or a nursing facility.

Marketplace insurance, also known as Affordable Care Act (ACA) coverage or Obamacare, is sold through state or federal exchanges like HealthCare.gov. It’s private insurance that meets ACA requirements, as mandated by law.

It helps pay to transport you to the nearest adequate facility or, when allowed, back home in a serious emergency—often a separate or add-on benefit and strongly recommended for regions with limited care.

Medicare Part D is a voluntary prescription drug benefit available to all Medicare beneficiaries. It helps cover both brand-name and generic medications through private, Medicare-approved insurers.