Accident Insurance

With Expanded Benefits

On- or off-the-job including a disability income benefit plus an optional rider

An accident can wreak havoc on your savings if you’re not prepared.  That’s why there’s accident insurance.  It gives you a cushion to help cover medical expenses and living costs when you get hurt unexpectedly.

On average there are 11 unintentional-injury deaths and about 2,330 disabling injuries every hour during the course of a year.  Nearly 1 in 8 people sought medical attention or suffered at least one day of activity restriction because of an injury.

Accident insurance can pay you a lump sum benefit for on- or off- the – job accidental injuries, plus some medical benefits.  Because accident insurance is supplemental, it works in addition to other insuranceyou may have.  You can use the policy on its own or to fill a gap left by your other coverage.

• Benefits paid directly to you unless assigned
• Benefits paid regardless of other coverage
• Coverage for you, or you and your family
• Guaranteed renewable to age 70

Would you finances survive an accidental injury?

Cancer Insurance

No one likes to think about getting cancer.  But it will still affect 1 in 2 men and 1 in 3 women.  Cancer may not be preventable, but you can protect yourself from some of the costs.  Cancer insurance can help you:  Manage the high expenses of treatment; Preserve savings; Protect your family from financial hardship; Concentrate on getting well.

Our cancer insurance pays you benefits that can be used for non-medical cancer-related expenses that health insurance might not cover.

• The policy is quaranteed renewable for life
• Benefits paid directly to you unless assigned
• Benefits pain in addition to any other coverage
• Individual or family coverage

Would your finances survive cancer treatments?

Supplemental Health Options Policy

Health insurance is a good way to help pay the costs of medical treatments that may be necessary, but most plans offered today don’t pay all the costs if your treatment requires a visit to your physician, the emergency room, or an extended stay in the hospital.

The average length of stay in a U.S. hospital in 2003 was 4.8 days.  Even just a couple of days in the hospital could be costly to you.  Lost income, medicines and therapies can quickly add up.

Supplemental health insurance can help protect your hard-earned savings, and it can help you cover some of the costs associated with hospital care.

If you have little or no savings and spending time in the hospital could cause a major financial burden you your family, then S.H.O.P. insurance may help protect your finances.

Here’s what you get with the S.H.O.P. policy:

• Benefits paid directly to you unless assigned
• Benefits paid regardless of other coverage
• Coverage available for individual or entire family
• Premium based on age at issue

Guaranteed renewable to age 65

Would your finances be protected if you needed medical treatment or an extended stay in the hospital?