WHAT IS ACCIDENT INSURANCE
It's a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury - not just for emergency treatment, hospital stays and medical exams, but for other expenses you may face, such as transportation and lodging needs.
When you have a covered accident, we'll send cash benefits directly to you (unless you tell us otherwise) and you decide the best way to spend them. It's as simple as that.
You'll receive cash benefits for these and other expenses that may not be fully covered by your major medical insurance
A hospital intensive care insurance policy provides cash benefits for accidents or illnesses that result in an admission to a hospital intensive care unit. With these cash benefits are paid directly to you, unless you instruct us to direct them elsewhere, no matter what other insurance you have. The hospital intensive care insurance policy has a straight forward benefit design that complements your major medical, limited benefit or short-term health insurance plans.
A physician-documented disability often results in a loss of income. Our short term disability insurance pays benefits (i.e., a monthly amount that is a percentage of your gross income) for a period of time while you are disabled. Your agent will help you select the right amount of disability insurance benefits for your needs, as well as the length of time they are payable.
WHAT IS HOSPITAL INSURANCE
No matter how good your medical insurance is, when you're hospitalized for an injury or illness there will probably be medical expenses and out of pocket costs that aren’t covered. A hospital confinement indemnity insurance policy provides cash benefits to use as you see fit. The benefits are predetermined and paid regardless of any other insurance you have, and you have a choice of applying for basic to extensive hospital coverage. Whether you want a plan that provides hospitalization benefits only, or one that also addresses diagnostic procedures, outpatient surgery and ambulance transportation
WHAT IS CANCER INSURANCE
No one wants to experience a cancer diagnosis, but the fact is that the risk of getting cancer is great. In the United States, men have slightly less than a one in two lifetime risk of developing cancer; for women, the risk is a little more than one in three (Cancer Facts and Figures 2009, American Cancer Society). A cancer/specified-disease insurance policy is designed to provide you with cash benefits during covered cancer treatments.
A cancer/specified-disease insurance policy can also help protect your income and savings from expenses that aren't covered by your major medical health insurance policy