Why Supplemental?

When facing any health related issues there are 2 types of costs:
Direct and Indirect

Several Ways People Meet The Indirect Costs

Liquidating Savings and Retirement

• Savings
• Investments
• College funds
• Retirement funds

Selling Assets

• Personal Items
• Cars
• Property
• Home

The best choice to avoid these costs is supplemental coverage.
It helps to protect your assets, family, and future!

Client Testimonials

Return of Premiums

Our policy makes sense even if you never file a claim!

We Return Your Premium, less any claims paid, after 25 years, or on the policy anniversary date following your 65th birthday, whichever comes first!

This benefit begins building after only five years. The longer you keep the plan, the more your money will grow!

“We appreciate a company that takes care of you and gives you money back!”

“We just got all our money back. Perfect savings account.”

“The best part was when our agent delivered a nice-sized check to us right as we were entering retirement.”

“When our policy term was up, they were knocking on our door with a check.”

“I was hesitant to believe that I’d get my money back, but today I got my return-of-premium check and I couldn’t be happier!”

“As told from the beginning, we received the full amount we paid into this policy. I just retired so this definitely came in handy.”

Our Commitments

  • Benefits are paid directly to you, to use any way you see fit

  • Benefits are paid in addition to any other insurance you have

  • Claim payments are deposited directly to your bank account, at your option

  • Coverage is guaranteed renewable for life as long as premiums are paid on time – only you can cancel

  • Your phone call is answered by a live person – all services are provided in the United States

  • Premium does not increase with age or because of claims

  • We have never raised a rate on an existing policyholder