Tailored insurance for your life and health.

No. Cancer insurance generally requires application before any diagnosis—you must be cancer-free at policy issue. Past history may result in denial or exclusion.

LTD benefits may be offset by Social Security Disability Income (SSDI), depending on the policy. Employer group plans often coordinate with SSDI; individual plans might not.

It varies by state. Federal rules now cap short-term plans at 36 months total, but many insurers don’t offer renewals. You may need to reapply upon reaching the term limit.

Many policies allow guaranteed renewal, often annually, but rates increase due to age and health changes.

Yes, some carriers offer shared-care rider options, allowing married couples to combine or share benefit pools. If one spouse exhausts their benefits, they may tap into the other’s unused balance.

Yes—if you qualify for an Special Election Period (SEP) (e.g., loss of credible coverage, change in residence, etc.), you can change plans outside the annual enrollment period.

Yes. Dental, vision, and hearing expenses—like exams, glasses, contact lenses, and hearing aids—are generally eligible for reimbursement from Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs).

Many Part D plans feature preferred pharmacy networks offering lower copays—great for cost savings if you use covered pharmacies consistently.

For traditional policies, you only get payouts if you use care (use-it-or-lose-it). Many hybrid policies include a death benefit or return-of-premium feature for unused coverage.

Yes, but ensure other drug coverage is creditable. If not, you may owe a penalty later. Employer or VA coverage can count if it’s deemed creditable.

Yes—Dual Eligible Special Needs Plans (D-SNPs) are designed for those with both Medicare and Medicaid and offer integrated benefits.

Disclaimer: Availability of benefits and plans varies by carrier and location. Deductibles, copays and coinsurance may apply.

Yes. UL cash value can be accessed tax-free via loans or withdrawals for retirement needs—housing, income supplementation, or education.

Credit cards may include some trip protections, but limits and covered reasons vary widely and may not include medical or evacuation at adequate levels. Treat card benefits as a partial safety net, not a full substitute; read the benefit guide.

It depends. Some policies are fully underwritten with medical questions or exams, while guaranteed-issue plans require none, though may have limited benefits.

Most final expense plans require no medical exam—only a simple health questionnaire. Some offer guaranteed issues (no health questions at all).