Dental Insurance

Dental insurance plans are designed to meet different individual needs. You can choose from dental discount plans to traditional dental insurance. Coverage is available for individuals or the whole family with access to a large network of dental providers.

Benefits to Dental Plans

• No Medical Questions
• No underwriting questions for your employees.
  *May not be available in all states Network Choice
• Depending on which plan your dentist takes, you have the choice of both HMO, PPO and No Network dental plans.
• Orthodontic and Cosmetic Options
• Affordable rates as low as $10, where available.

Vision Insurance

Vision Insurance coverage offers an annual routine eye exam for a low copayment. In addition, you get coverage for contact lenses or eyeglass lenses and frames (including designer names) and discounts on laser services like Lasik.

Benefits to Group Vision Plans

• Affordable coverage from $16 a month for individuals
• Comprehensive vision exam once every 12 months
• Guaranteed approval; you will never be turned away for pre-existing conditions
• Frame discounts
• Additional benefits for covered eye surgeries, specific eye diseases/disorders, and permanent visual impairment.

Short-Term Medical Insurance

Apply Anytime! Short Term Medical plans are not subject to an enrollment period and do not require a qualifying life experience to apply. In most states, you can choose coverage to continue for up to a year.

Short Term Medical plans are designed to offer quality coverage without all of extras required by Qualified Health Plans.Because of this, Short Term plans do not cover things like maternity and pediatric dental and vision. Items that are covered is what most people find to be important: doctor office visits, hospitalization, and prescriptions. Short Term Medical offers 5 plan options in most states, so you have the flexibility in choosing a plan that works best for you.

Financial Protection

Accident Insurance

Accident Insurance plans help supplement some or all of the cost left by traditional insurance policies. Generally, benefits are paid directly to the insured, so you can use the money for paying medical bill left by your deductible and coinsurance or just use the money to stay afloat while recouping from your injuries.

Accident coverage includes:

• Guaranteed acceptance, no health questions asked
• Competitive rates
• Convenience of monthly auto pay feature
• Coverage that stays with the insured, not tied to your employer

Critical Illness Insurance

Critical illness insurance plans help supplement some or all of the cost left by traditional insurance policies. Generally, benefits are paid directly to the insured, so you can use the money for paying medical bill left by your deductible and coinsurance or just use the money to stay afloat while recouping from your illness. Typically, these policies make a lump sum cash payment to the policy holder upon first time diagnosis of the critical illness.

Common Illness covered by Critical Illness insurance

• A major organ transplant (e.g. heart, lung, liver, pancreas)
• Alzheimer’s disease
• Blindness of one or more eyes
• Cancer (internal)
• Deafness of one or more ears
• Heart attack
• HIV/AIDS contracted by blood transfusion or during an operation
• Kidney failure
• Multiple sclerosis
• Paralysis of limb or limbs
• Parkinson’s disease
• Stroke
• Terminal illness

Hospital Insurance

Hospital insurance plans help supplement some or all of the cost left by traditional insurance policies. Generally, benefits are paid directly to the insured, so you can use the money for paying medical bill left by your deductible and coinsurance or just use the money to stay afloat while recouping from your illness or injury. Benefits provide a fixed daily, weekly or monthly benefit while the insured is confined to a hospital facility.

Benefits of Hospital Insurance

• Works in addition to your health insurance benefits
• Reduces or eliminates your out of pocket cost for medical expenses
• Supplements loss of income while away from work
• Coverage is generally in $1,000 increments up to $25,000 benefit

Short-Term Disability Insurance

Short-term disability insurance is a benefit for temporary disability due to sickness or injury. It pays a percentage of your salary for a short period of time.

Benefits short-term disability

Short-term disability insurance plans are a benefit for temporary disability due to sickness or injury. It pays a percentage of your salary for a short period of time. Short-term disability reimburses up to 66 2/3% of the insured’s weekly earnings. In addition, your plan may include services to help you return to work after an illness or injury.

Long-Term Disability Insurance

If you have a prolonged disability due to an injury or illness, long-term disability (LTD) insurance helps keep a roof over your head, maintain some daily routines, and pay monthly bills.

Benefits of long-term disability

Long-term disability insurance kicks in once your short-term disability benefits run out. The policy reimburses up to 66 2/3% of your income. The percentage and length of payment vary by employer. In addition, your employer’s LTD plan may include return-to-work support and rehabilitative services. These services are designed to help you realize the goal of recovery and a return to independent, productive work.

When you have a group long-term disability plan, your employer may pay part of the premium.

International Health Insurance

International Health Insurance allows you to travel globally in complete security knowing you have access to all healthcare, from routine care to emergency care.

Benefits of International Health Insurance

• Flexible Worldwide Coverage- Designed to meet your needs
• Customizable Coverage- Flexibility to select from multiple deductible and modes of payment
• For citizens of the international community who travel often for school, work or leisure
• Transparent eligibility standards

Life Insurance

Life insurance policies are contracts between an insurance policy holder and an insurer to pay a predetermined beneficiary a sum of money in exchange for a premium when death occurs of the insured person. Some contracts allow for payment for other events such as terminal illness or critical illness.

Life insurance policies tend to fall into one of two major categories:

• Protection policies – designed to provide a benefit, typically a lump sum payment, in the event of death or other specified trigger in the policy. Term insurance is a common version of this type of policy.
• Investment policies – where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms of Investment Life Insurance are Variable Life, Whole Life and Universal life policies