Tailored insurance for your life and health.

STD is commonly offered as a group benefit through employers, while LTD may also be employer-sponsored—or bought individually by self-employed or unsponsored individuals.

Ideal candidates include individuals and families who:

• Lead an active lifestyle with increased injury risk,
• Have high-deductible health plans,
• Don’t receive paid sick leave or disability coverage

Ideal for individuals with family cancer history, high-deductible plans, or limited savings. It’s designed to protect those who want help with financial impact if diagnosed.

Ideal for seniors, people with health issues, or anyone wanting to prevent their loved ones from bearing burden when facing funeral costs and final bills.

Term life offers affordable, high-coverage protection during key life stages. It’s cost-effective for temporary needs without long-term commitment .

If you face an emergency at odd hours or in another language, round-the-clock assistance helps coordinate care, payments, evacuation, and logistics. The State Department advises verifying a 24-hour help line and that the policy fits your destinations and trip length. 

It helps pay out-of-pocket costs—such as copays, deductibles, and lost income—that can add up quickly after an accident.

It offers a helpful financial buffer against unexpected hospital-related expenses—like copays, deductibles, travel, childcare, or lost wages—helping preserve family savings during recovery.

Medical insurance may leave gaps like deductibles, copays, out-of-network costs, or non-medical expenses (e.g., child care, travel). This policy helps reduce financial pressure during recovery so you can focus on healing.

Enrolling in MA typically ends your employer/union-based coverage. Talk to your benefits administrator before switching.

Yes. Though covered benefits are standardized, premiums vary by insurer, location, age, gender, and pricing strategy.