Tailored insurance for your life and health.

There are three types of methods used to determine Medigap premiums:

• Community-rated: same for all enrollees
  
• Issue-age rated: based on your age when you enroll
  
• Attained-age rated: based on current age (may rise over time).

You must be enrolled in Original Medicare (Parts A & B); some states also allow Medigap for disability or ESRD (End-Stage Renal Disease) recipients under 65.

Anyone enrolled in Medicare Part A, Part B, or both can sign up for a stand-alone Part D plan (PDP) or get it bundled with a Medicare Advantage plan (MAPD).

You can apply if you:

• Live in the U.S.;
• Are a U.S. citizen, U.S. national, or lawfully present;
  
• Don’t have employer-sponsored, Medicare, Medicaid, or CHIP coverage

Short-term medical insurance is ideal for individuals who are:

• Waiting for employer or Medicare coverage
• Between jobs or missed Marketplace enrollment
• Recent graduates, roommates leaving parent plans, or relocating.

UL is ideal for those seeking lifetime protection, cash-value flexibility, and comfort with active policy management. It’s especially popular for business uses, estate planning, or high-net-worth individuals .

It’s ideal for those with financial dependents, mortgage obligations, or debts. Many financial advisors recommend a policy amounting to 10× your annual income.

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.