Our Solutions

Overview of our services…

Families deserve to focus on getting better, not stressing about bills. We offer peace of mind by paying cash directly to families when they need it most.

With one of our policies in place, you can rest easier knowing that we are here to help protect your family and your future.

And in detail…

We are the best in the nation, bar none, when it comes to supplemental coverage. With us, you’ll have protection when you need it, and savings when you don’t.

Meet one on one with an agent at your business or place of work to discuss your individual needs…

CancerCare

Cancer will occur in 3 out of 4 families

In detail…

More than 6 out of 10 people with cancer will survive! The bad news is cancer can be expensive, totaling more than $226 billion in the United States. Most people are surprised that their largest expenses during illnesses are often not their medical expenses — it’s the indirect costs their health insurance doesn’t cover.

How we are different:

• We pay benefits directly to you, you decide how to spend them
• We pay in addition to any other insurance you own
• This policy’s benefits are never reduced
• Premiums don’t increase with age or due to claims
• Guaranteed renewable for life —only you can cancel
• Policy has no cap on the total amount of benefits you receive or the number of claims you can have

In detail…

Heart Attacks, Heart Disease, and Strokes can be expensive! In the United States, total costs exceed $351 billion. Most people are surprised that their largest expenses during illnesses are often not their medical expenses — it’s the indirect costs that their health insurance doesn’t cover.

There are a number of heart diseases which are very common and can be quite expensive to treat. Many people are unaware that their health insurance may not cover all of the costs associated with these conditions. Our Heart Attack and Stroke Plan has benefits specifically geared toward containing the out-of-pocket costs associated with a heart-related illness.

Some of the most common heart diseases are coronary heart disease, heart failure, and stroke. These conditions can often be very expensive to treat, especially if they require hospitalization. Many people are shocked to learn that their health insurance may not cover all of the costs associated with these conditions.

Our Heart Attack and Stroke Plan has a number of benefits that can help to offset the costs of these conditions. Some of these benefits include:

  • Coverage for diagnostic tests and procedures
  • Coverage for hospitalization
  • Coverage for medications
  • Coverage for rehabilitation

This plan can help to ease the financial burden associated with these conditions and help you get the treatment you need.

CardiaCare

Heart Attacks, Heart Disease, and Strokes
are the cause of 1 of every 3 deaths in the U.S.

InjurCare

Accidental Injuries and Death
can occur in the home, on the job, and to your children

In detail…

The bad news is accidents can be expensive, totaling more than $1 trillion in the United States. Most people are surprised that their largest expenses during accidents are often not their medical expenses — it’s the indirect costs their health insurance doesn’t cover.

Accidental Deaths:
• An accidental-injury-related death occurs once every 3 minutes.
• Accidents are the leading cause of death for all Americans between the ages of 1 and 44.

Accidental Injuries:
• On average, this year there will be 5,390 disabling injuries every hour.
• Nearly 3 out of 4 accidental injuries occur outside of work.

Source: The National Safety Council, Injury Facts, 2017

In detail…

Intensive care insurance is a type of insurance that helps to cover the costs of treatment in an intensive care unit (ICU). ICUs are specialized hospital units that provide care for patients who are critically ill or injured. Treatment in an ICU can be very costly, and intensive care insurance can help to cover some or all of these costs.

Focus on getting BETTER instead of getting BILLS!

Intensive care treatment is often needed during a major illness or accident and can be costly. Some reject intensive care medical procedures because they are so expensive. Our ICU insurance plans can help relieve some of the financial pressure so you can focus on what matters most: healing.

IntensiveCare

A stay in the intensive care unit can be financially overwhelming…

Hospital Indemnity

Don’t let the Hospital make you feel worse!

In detail…

Looking for a way to offset unexpected out-of-pocket costs associated with a hospital stay? Look no further than our Hospital Indemnity Insurance. This type of insurance helps protect you from having to pay high deductibles, coinsurance, and copayments. Plus, the benefit is paid directly to you so you can use it however you want.

Facts About Hospitalization In the United States…
Each year, nearly 1 out of every 11 persons is admitted to a hospital.
There were over 36 million hospital admissions in 2017.
The cost for a day in the hospital now exceeds $5,220 per day.
More than $3.5 trillion was spent annually on health care in 2017.

U.S. Centers for Medicare and Medicaid Services, National Health Expenditure Data, December 2018 | American Hospital Association, Fast Facts on U.S. Hospitals, 2019 | “Average hospital costs per day in selected counties in 2015 (in U.S. dollars)

In detail…

No one knows when their time will come. But with life insurance, you can help ease the financial burden for your loved ones in the event of your premature death. This may allow them to focus on celebrating your life instead of worrying about how they’ll replace your income or cover the cost of final expenses.

What We Offer
Having the right life insurance policy in effect is the best way to help safeguard your loved ones in the event of a premature death. With funerals and the cost of living expenses constantly rising, having adequate coverage can help ease this burden.

We have the options you need to help secure your family’s future. With our life insurance, you can have peace of mind knowing that your loved ones are taken care of.

What do I need?
• A whole life insurance policy can help protect your loved ones’ futures and may be used to handle your final arrangements, such as funeral, legal, and medical expenses.
• Heritage Whole Life is a simple and effective whole life insurance policy with optional riders to further strengthen your coverage.

Heritage Whole Life

Whole Life Insurance
with optional Accidental Death Rider and Children Term Rider

Don’t let an unexpected illness or injury create a financial burden for your family

If you want peace of mind, we can help!