Who is Life Insurance For?

What does Life Insurance Cover?

Why should I consider Life Insurance?

If you have loved ones who depend on you for support — financial or otherwise — buying life insurance is one of the best ways to help ensure they’re provided for. Life insurance can also help people in other situations, like high net-worth individuals looking to transfer assets more easily without incurring added estate taxes.

It’s insurance that provides a death benefit if the policyholder passes away while the policy is in effect. Life insurance benefits are almost always paid out as an income tax-free lump sum and can be quite significant — enough to replace several years of lost income.

Even if you don’t have dependents, life insurance is an important part of your financial wellness. Life insurance can do more than provide income replacement for your dependents — it can be used to help build tax-advantaged family assets, help assure the continuity of your business if you pass away, or even pay for final expenses.

Who is Accident Insurance For?

What does Accident Insurance Cover?

Why should I consider Accident Insurance?

It’s for people who want help with extra expenses when an accident happens to themselves or a covered family member. The benefits can help you focus on recovering from injury instead of worrying about finances.

Accident insurance provides benefits if you suffer a covered accidental injury like a severe burn, broken bone, or have to visit an emergency room. It will also cover the diagnostic testing needed to determine if your bone is broken — like for an x-ray. The lump-sum payment goes directly to you, not the hospital or medical provider.

It can be a great complement to your medical coverage that helps pay for expenses that can happen with an unexpected accident, including x-rays, ambulance services, and deductibles. You can even use it for non-medical expenses like rent or groceries.

Who is Critical Illness Insurance For?

What does Critical Illness Insurance Cover?

Why should I consider Critical Illness Insurance?

Critical illness insurance is a good option for anyone who wants additional financial protection that can help them preserve savings or minimize debt in the event of a serious health condition. 

Critical illnesses include stroke, heart attacks, Parkinson’s disease, cancer, and more. Our policies can cover more than 30 major illnesses. If you happen to get diagnosed with one of these illnesses, our plans can pay you a lump sum of up to $50,000.

It's an affordable way to supplement and pay for the additional expenses that can come with serious illness. Plus, some of our policies pay out benefits for preventing, diagnosing, and treating less serious conditions.

Who is Hospital Indemnity Insurance For?

What does Hospital Indemnity Insurance Cover?

Why should I consider Hospital Indemnity Insurance?

It’s for people who want extra financial support if they’re hospitalized due to sickness or injury. It can help you focus on recovery, instead of worrying about bills.

Benefits are paid directly to you based on admission and days hospitalized. You can use the money you get to help cover any costs, from out-of-pocket medical expenses to added household costs, like child care.

Hospital indemnity insurance can help pay for out-of-pocket costs you incur as a result of a hospital stay. It's a great complement to your medical insurance because it serves as financial protection for unplanned expenses.