We offer affordable individual and family plans customized to fit your unique needs & budget.

♦ Major carriers

♦ HMOs and PPOs

♦ Co-pays

♦ Prescription drug coverages

♦ Many deductible choices

♦ Monthly, quarterly and annual payment options

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Accident - Provides money to help pay medical costs related to on- or off-the-job accidental injuries.

♦ Takes care of medical expenses your employer's health insurance may not cover.

♦ You receive cash benefits to help cover out-of-pocket expenses.

♦ Pays cash benefits for hospital stays, ambulance bills, dislocations, fractures and more.

Cancer - Helps cover the cost of inpatient and outpatient cancer treatments.

♦ Helps with costs your primary health insurance doesn't cover.

♦ Coverage can include hospital stays, doctor bills, transportation, child care and more.

♦ Available for individuals and families, and coverage is renewable for life.

Disability - Provides a monthly cash benefit when you're unable to work because of illness or injury.

♦ Paid directly to you to help pay everyday living expenses such as mortgage, personal assistance, groceries, car payments and other expenses until you are able to work.

♦ Most plans cover up to 60 percent of your regular income if you are disabled.

♦ Coverage is portable: You keep coverage if you change jobs.

Critical Illness - Gives you money to help pay expenses for certain critical illnesses.

♦ Covered illnesses can include heart attack, bypass surgery, multiple sclerosis and more.

♦ A lump-sum cash benefit paid directly to you helps you pay your bills.

♦ An optional Wellness Benefit can be added to help cover the costs of a health screening test.

♦ When a person requires someone else to help him with his physical or emotional needs over an extended period of time, this is long-term care.

♦ The need for long-term care help may be due to a terminal condition, disability, illness, injury or the infirmity of old age. Estimates by experts are that at least 60% of all individuals will need extended help in one or more of the areas above during their lifetime. The need for long-term care may only last for a few weeks or months or it may go on for years. It all depends on the underlying reasons for needing care.Low cost policies cover

♦ Temporary and ongoing care needs

♦ Long term services can be covered at home, assisted living facilities and nursing homes.