Accident: to cover injuries that require medical treatment (helps supplement major medical insurance)
Cancer: to cover expenses due to cancer treatment
Critical Illness: for expenses due to cancer/heart attack/stroke and other critical illnesses
Disability Income: to provide income if unable to work due to illness or injury
Dental: coverage to help with preventive & corrective care
Vision: coverage to help with costs of exams, glasses, and contacts
Hospital Indemnity: coverage to help with costs of hospital stays
HMOs (Health Maintenance Organization)
PPOs (Regional & Local Preferred Provider Org)
PDP (Rx Drug Plans)
Medicare Supplement Plan (aka Medigap):
to help pay the costs that Medicare does not pay.
Individual health insurance plans with highly-rated companies: several options for deductibles and premiums to fit your budget.
ALSO! Options that may reduce the premium you pay for your major medical health insurance.
Let's review your options!
Final Expense Life Insurance: to help cover funeral and other expenses.
Term Life: a set amount of insurance for a set period of time (i.e. 20 years) for a set premium.
Whole Life: life insurance with a set premium that builds cash value.
Universal Life: variable premium life insurance that builds cash value