Supplemental Health Insurance
Many of the products offer a wide selection of riders, including intensive care options, premium-return potential and direct benefit payment to policy owners. (Available in most states)
Accidental Injury Insurance
This insurance offers several accidental death and dismemberment plans that can help provide reassurance when the unexpected occurs.
Key benefits
- Accidental death and dismemberment benefits
- Disability benefits and riders
- Accident specified injury benefits
- ICU and emergency room benefits
- Public Safety rider
- Return of Premium or Cash Value rider
Cancer Insurance
The cancer insurance plan provides protection against the uncovered medical and out-of-pocket expenses associated with cancer.
Key benefits
- Express payment up to $10,000 upon cancer diagnosis
- Coverage for cancer screening tests
- Daily hospital confinement*
- Surgery and radiation/chemotherapy
- Transportation and family lodging
- Health advocate service
- Alternative Care rider
- Return of Premium or Cash Value rider
Critical Illness Insurance
Offer your clients or employees lump-sum benefits for today’s most common critical illnesses—including cancer, heart attack, stroke and kidney failure. We offer two products, allowing you or your employees to choose the coverage they need.
Key benefits
- Available on a group or individual basis
- Benefit amounts up to $75,000
- Three plan choices
- First diagnosis and recurrence benefits
- Wellness benefits
- Coverage for the entire family
- Portability
- Return of Premium or Cash Value rider
Gap Insurance
It would be nice if health insurance paid for every little medical expense. That’s where a gap insurance plan steps in. It fills the gaps in coverage—starting from the very first dollar charged and paying the costs your employees are normally forced to pay.
Key benefits
- Doctor and wellness visits are covered.
- Hospital and outpatient visits are covered benefits.
Hospital Indemnity Insurance
A stay in the hospital can be expensive. But you or your employees’ first concern should be for care and treatment. That’s why we offer a hospital indemnity plan to help address the expenses associated with a hospital stay.*
Key benefits
- Confinement benefits
- Outpatient surgery
- Doctor office visits
- Emergency room benefit and emergency travel benefit
- Hospitalization Daily Benefit rider
- Pet Boarding Benefit rider
Short-Term Disability Insurance
Short-term disability coverage is an option that many employees now expect as a part of their voluntary benefit package. The plan we offer has two simple options, so employers can choose the level of coverage that’s right for their employees.
Key benefits
- Weekly benefit payment amounts up to $1,700
- Guaranteed issue up to $700 per week (certain restrictions apply)
- Benefit periods of 13, 26, 52 or 104 weeks
- Nonoccupational or 24-hour coverage
- Continuity of coverage on takeover business
- Guaranteed employer rates for two years
*These products have limitations and exclusions. Riders and benefit options vary in cost, may be subject to underwriting and may not be available in all states. Certain benefit features may vary by state.
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