Major life changes – a critical illness, an extended hospital stay, or an accidental injury – often create expenses you don’t see coming. Supplemental insurance can give you a simple, budget-friendly way to prepare for these expenses. Most plans are affordable and easy to apply for. Making a claim is quick, simple, and hassle-free.
***** Cancer Insurance. Insurance that pays cash to you or your designee to help with unexpected expenses after a first diagnosis of a covered cancer. These plans are very helpful in “supplementing” your medical coverage – benefits paid directly to you!
***** Critical Illness. Insurance that pays cash to you or your designee after a covered sickness such as a heart attack, stroke, cancer, or other serious illness. Plans can be designed to prove a lump sum payment that you can use for your specific needs. Many of the plans also pay a life insurance death benefit as part of the coverage.
***** Accident Benefit Plan. Insurance that reimburses when you have accident related out-of-pocket expense. Plans can also be designed to pay a specific benefit for different types of accidents.
***** Vision and Hearing. Coverage is available.
***** Home Health Care. These plans are becoming very popular. Many feel that they cannot afford Long/Short Term Care insurance. Many feel that if something happened to them their loved ones would provide help at home. A Home Health Care plan can supplement that loving help and provide “professional” benefits to help a person stay home! Competition is making this a very affordable coverage.
***** Disability Income Insurance. A disability (sickness or accident) can occur at any time. If the disability is severe enough it will prevent a person from earning a living to provide for themselves/family. Food, mortgage payments, and other monthly bills cannot be paid without a steady income. Personal disability insurance provides monthly income to keep the household afloat. Disability insurance is a necessary extra expense.
It is “tough” enough trying to recover from a sickness or an accident – not having income to maintain your lifestyle can actually prolong the problem! There are many different plans with benefits starting from the first day for an accident and after 7 days for a sickness. Benefit periods can range from 90 days to age 65.
If you are interested in additional information please email or call me and we can discuss!