Coverage options for you
You don’t have to navigate health insurance alone. We’ll help you choose the right plan that fits your needs and budget.
Free 30‑minute call to review your options
No obligation
Nationwide PPO Access
Our PPO plans give you access to doctors and hospitals in all 50 states — no referrals needed.
That means you can live in one state, travel or work in another, and still get in‑network care when you need it.
Medical Coverage
- $0 deductible or flexible deductible options
- First-dollar benefits for covered services
- 12, 15, or 24-month rate options
- Nationwide PPO access
Dental Coverage
- Preventive, basic, and major dental care
- Orthodontic options on select plans
- Calendar-year maximums by plan level
- Dental PPO network savings
Vision Coverage
- Annual comprehensive eye exams
- Frames, lenses, or contact lenses
- In-network copays and allowances
- National vision network access
Other Coverage
- Accident coverage options
- Disability and income protection
- Critical illness and life options
- Add-ons for catastrophic protection
Why clients choose Thomas
You don’t have to figure this out alone. We’ll clearly explain your options so you can choose the best fit for your lifestyle.
Affordable
Solutions customized to fit your budget and health needs.
Honest
We walk you through everything so you know exactly what you’re buying.
Knowledgeable
Complex insurance, made simple with clear, expert guidance.
Let us guide you to the right plan
Set a free appointment with us. We will review what’s important to you and compare plans & coverage benefits from both the public & private markets.
Medical coverage, tailored to how you actually use care
Medical Coverage
We offer a range of private PPO plans with flexible deductible options to fit your budget, along with guaranteed‑issue add‑ons. All plans include 24-hour coverage, can pay in addition to other coverage, and are portable if you move or change jobs.
Plan
What it is
Best for
Key features
Medical Coverage Plans
Premier Choice
Premier Choice – Disease, Sickness and Accident PPO Plans
The Premier Choice Specified Disease/Sickness and Accident PPO Plans provide first dollar payments for expenses incurred for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize your selected network and pay the expenses charged for covered services after the PPO discount, up-to each benefit maximum. Plus, you can buy more coverage if you need it, including PremierMed, the catastrophic safety net, without additional underwriting!
- No Calendar Year Deductibles to Satisfy! You receive “first dollar” benefit payments under each of the PremierAdvantage Fixed Indemnity Plans without first having to satisfy any calendar year deductible, which is different from ACA essential health benefit plans and many other plans that require the Insured to first satisfy a calendar year deductible for network providers, and a separate calendar year deductible for non-network providers, before applicable medical expenses are eligible for payment.
- First Dollar coverage, up to the applicable benefit amount, available under both the Specified Disease/Sickness & the Accident Plans for Outpatient Doctor Office Visits! Special “rollover” feature in each plan; if You don’t use Your benefits, You don’t lose them.
- Buy more coverage, if You need it, without additional underwriting! Ask Your Agent about the Optional Single Step-Up Rider, the Optional Double Step-Up Rider and the Optional Medical Inflation Protection & Guaranteed Insurability Rider.
- Neither the Premier Choice Specified Disease/Sickness Plan with the Optional Medical Inflation Protection & Guaranteed Insurability Rider nor the Premier Choice Accident Plan with the Optional Medical Inflation Protection Rider are ACA essential health benefits plans. However, while these are in full force and effect, You have the right to purchase additional coverage under Our PremierMed Short Term Medical-Surgical Expense Plan with no additional underwriting, if You are not covered under an ACA plan of “minimal essential coverage”. 1
- Automatically Locks in Your rates for 15 months at no extra charge! 2
- 24 hour coverage, on or off the job. Coverage You can depend on when You need it the most.
- Each plan pays in addition to any coverage You have in force.
- Any Doctor, Any Hospital! But You can stretch Your dollars further by choosing an In-Network Provider.
1 ACA “minimum essential coverage” covers substance & drug abuse, rehabilitation, and mental health, while our plans do not cover these areas.
2 The Premium Rate Guarantee Period does not apply to any rate change due to: change of address; addition of Insureds; change of benefits or options; change of Mode Of Premium Payment; group policy coverage, benefits, limitation or exclusion changes; or any future requirements of any federal or state law.
PremierChoice is not available in all states. Please contact a licensed agent for more information. Limitations, waiting periods, and exclusions may apply.
Comprehensive PPO health coverage with $0 deductible
Healthy individuals who want affordable coverage, provider flexibility, and no traditional deductible
– $0 deductible for routine medical care
– Visit any doctor or hospital
– Lower costs with nationwide PPO providers
– Rates locked for 15 months
Premier Advantage
Premier Advantage –
Fixed Indemnity PPO
The Premier Advantage Fixed Indemnity Plans provide first dollar payments for covered healthcare services without a calendar year deductible having to be first satisfied. These plans utilize the nationwide UnitedHealthcare Choice Plus Network and pay the stated benefit amount, regardless of expenses incurred. Plus, you can buy more coverage if you need it, through Premier Med without additional underwriting!
- No Calendar Year Deductibles to Satisfy! You receive “first dollar” benefit payments under each of the Premier Advantage Fixed Indemnity Plans without first having to satisfy any calendar year deductible, which is different from ACA essential health benefit plans and many other plans that require the Insured to first satisfy a calendar year deductible for network providers, and a separate calendar year deductible for non-network providers, before applicable medical expenses are eligible for payment.
- You may choose Any Doctor and Any Hospital! The Premier Advantage Fixed Indemnity Plans pay the same fixed dollar amount shown on the schedule of benefits regardless of whether services are provided in or out of network. But you can stretch your dollars further by choosing an In-Network Provider.
- The Premier Advantage Fixed Indemnity Plans with the Optional Well-GIST Rider1 are not ACA essential health benefits plans.¹ However, while these are in full force and effect, You have the right to purchase additional coverage under Our Premier Med Short Term Medical-Surgical Expense Plan with no additional underwriting, if You are not covered under an ACA plan of “minimal essential coverage”. ²
- Automatically Locks in Your rates for 24 months at no extra charge! ³
- 24 hour coverage, on or off the job. Coverage You can depend on when You need it the most.
- Each plan pays in addition to any coverage You have in force.
- Any Doctor, Any Hospital! But You can stretch Your dollars further by choosing an In-Network Provider.
1 PremierAdvantage Fixed Indemnity Plans Optional Wellness and Health Screening Fixed Indemnity Benefits & Guaranteed Insurability under Option Short Term Medical-Surgical Plan Rider (available for an additional premium).
2 ACA “minimum essential coverage” covers substance & drug abuse, rehabilitation, and mental health, while our plans do not cover these areas.
3 The Premium Rate Guarantee Period does not apply to any rate change due to: change of address; addition of Insureds; change of benefits or options; change of Mode Of Premium Payment; group policy coverage, benefits, limitation or exclusion changes; or any future requirements of any federal or state law.
PremierAdvantage is not available in all states. Benefit amounts and availability may vary by state. Please contact a licensed agent for more information. Limitations, waiting periods, and exclusions may apply.
Premier Choice plan with with extended rate protection
Healthy individuals who want predictable costs over the long term
– Same benefits as Premier Choice
– Extended rate lock to 24 months
Secure Advantage
Secure Advantage – Disease, Sickness, and Accident PPO Plans with Flexible Deductible
The Secure Advantage Specified Disease/Sickness and Accident PPO Plans help you secure the right level of protection for you and your family when life is unpredictable. These plans use your selected network and offer flexible options so you can choose the deductible and coinsurance combination that best fits your needs and budget for sickness and accident coverage.
You can also enhance your plan by adding coverage for doctor office visits, X-ray, laboratory services, and prescription drugs. In addition, the Secure Advantage Health & Wellness PPO Plans provide first-dollar fixed indemnity benefit payments for wellness and health screening services, without having to satisfy a calendar-year deductible.
Flexible deductible choices – Choose the most appropriate deductible to meet your needs and budget.
With the Secure Advantage Specified Disease/Sickness Plan, Secure Advantage Accident Plan, and Secure Advantage Health & Wellness Plans, you select a PPO network available in your state.
Each plan pays in addition to any other coverage you already have in force.
Your initial rate is guaranteed for 12 months at no extra charge.¹
24-hour coverage, on or off the job.
Portable coverage you can take with you even if you move or change jobs.
Secure Advantage Health & Wellness PLUS Plans provide first-dollar coverage for outpatient doctor’s office visits; with the special rollover feature, unused visit benefits are not lost.
Increasing lifetime maximum for both Specified Disease/Sickness and Accident coverage – you are rewarded for good health with an increasing lifetime maximum for these benefits.
The Secure Advantage Specified Disease/Sickness Plan, Secure Advantage Accident Plan, and Secure Advantage Health & Wellness Plans are not essential health benefit plans under the Affordable Care Act (ACA) but are designed to supplement an essential health benefit plan.²
1 The Premium Rate Guarantee Period does not apply to any rate change due to: change of address; addition of Insureds; change of benefits or options; change of Mode Of Premium Payment; different Participating Provider network; Participating Provider network availability, negotiated discounts, or its relationship to the Company; group policy coverage, benefits, limitations, exclusions or premium change; or future requirements of any federal or state law.
2 ACA “minimum essential coverage” covers substance & drug abuse, rehabilitation, and mental health, while our plans do not cover these areas.
Secure Advantage is not available in all states. Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.
Affordable marketplace-style coverage with flexible deductibles
Healthy individuals who want more control over their monthly costs
– Deductible options that fit your budget
– Nationwide PPO network access
– Rates locked for 12 months
HealthAccess Plus
HealthAccess Plus – Portable PPO Coverage Plans
- The HealthAccess Plus Fixed Indemnity Plan is available without medical underwriting.
- You may choose any doctor and any hospital, but you can stretch your dollars further by choosing an in‑network provider.
- No calendar‑year deductibles to satisfy.
- The HealthAccess Plus Fixed Indemnity Plan pays in addition to any coverage you already have in force.
- Your initial rate is guaranteed for 12 months at no extra charge.¹
- 24‑hour coverage, on or off the job.
- Portable coverage you can take with you even if you move or change jobs.
- The HealthAccess Plus Fixed Indemnity Plan is not an essential health benefit plan under the Affordable Care Act (ACA); instead, it is designed to supplement an essential health benefit plan, under which you must first satisfy a deductible each year before receiving benefit payments.²
1 The Premium Rate Guarantee Period does not apply to any rate change due to: change of address; addition of Insureds; change of benefits or options; change of Mode Of Premium Payment; group policy coverage if applicable, benefits, limitation or exclusion changes; or any future requirements of any federal or state law.
2 ACA “minimum essential coverage” covers substance & drug abuse, rehabilitation, and mental health, while our plans do not cover these areas.
HealthAccess Plus is not available in all states. Please contact a licensed agent for more information. Limitation, Waiting Periods, and Exclusions apply.
Guaranteed-issue PPO coverage with no medical underwriting
Individuals who may not qualify for medically underwritten plans
– No medical underwriting
– Rates locked for 12 months
Dental coverage that keeps care affordable
Dental Coverage
We offer Secure Dental PPO plans so routine cleanings, basic work, and bigger procedures stay more manageable. You pick the level of coverage; we’ll explain how the deductibles, waiting periods, and annual maximums work.
Plan
What it is
Best for
Key features
Dental Coverage Plans
Premium
Secure Dental – Premium Plan
The Secure Dental PPO plans can help your family maintain a healthy smile. These plans use your selected network and pay covered expenses after the PPO discount up to the stated maximum, subject to the required deductible. Preventive dental care from a participating dentist is not subject to a deductible.
Premium Plan – Subject to deductibles of $50 for an Individual and $150 for a Family¹ ², the Secure Dental Premium Plan covers Preventive Care³, Basic Care⁴, and Major Care⁵. Orthodontic Care⁵ is only available on the Secure Dental Premium Plan and is subject to an additional Orthodontic Deductible of $150¹ ⁶. The SecureDental Premium Plan has a Calendar Year Maximum of $1,500 per Insured, an Orthodontic Calendar Year Maximum of $400 per Insured, and a Lifetime Maximum Orthodontic Benefit of $1,000 per Insured.
¹ Family limit of 3 per Person Deductibles
² Separate $50 Deductible for Non-Participating Dentist per Insured
³ Not subject to Calendar Year Deductible when received from a Participating Dentist
⁴ Subject to 30 day benefit waiting period
⁵ Subject to a 12 month benefit waiting period
⁶ Separate $150 Deductible for Non-Participating Orthodontic Dental Care per Insured
Secure Dental is not available in all states. Benefit amounts and availability may vary by state. Please contact a licensed agent for more information. Limitations, Waiting Periods, and Exclusions may apply.
Comprehensive dental coverage
Individuals and families who want the broadest coverage, including orthodontics
– Preventive, basic, and major dental care
– Orthodontic coverage included
– Nationwide PPO network access
– Lower costs with in-network dentists
Saver Plus
Secure Dental –
Saver Plus Plan
The Secure Dental PPO plans can help your family maintain a healthy smile. These plans use your selected network and pay covered expenses after the PPO discount up to the stated maximum, subject to the required deductible. Preventive dental care from a participating dentist is not subject to a deductible.
Saver Plus Plan – Subject to deductibles of $50 for an Individual and $150 for a Family¹ ², the Secure Dental Saver Plus Plan covers Preventive Care³, Basic Care⁴, and Major Care⁵, with Orthodontic Care Services discounted at Participating Dentists⁷. The Secure Dental Saver Plus Plan has a Calendar Year Maximum of $1,000 per Insured.
¹ Family limit of 3 per Person Deductibles
² Separate $50 Deductible for Non-Participating Dentist per Insured
³ Not subject to Calendar Year Deductible when received from a Participating Dentist
⁴ Subject to 30 day benefit waiting period
⁵ Subject to a 12 month benefit waiting period
⁷ These services are not covered under the Policy/Certificate but are subject to a discount of up to 20% if you see a Participating Dentist
Secure Dental is not available in all states. Benefit amounts and availability may vary by state. Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.
The Secure Dental Plans provide benefits for covered dental services only. The Secure Dental Plans are considered excepted benefit plans under the ACA and are not minimum essential coverage plans under the ACA.
Mid-level dental coverage
Individuals and families who want major dental coverage without paying for orthodontics
– Preventive, basic, and major dental care
– PPO discounts on orthodontic services
– Nationwide PPO network access
– Lower costs with in-network dentists
Saver
Secure Dental –
Saver Plan
The Secure Dental PPO plans can help your family maintain a healthy smile. These plans use your selected network and pay covered expenses after the PPO discount up to the stated maximum, subject to the required deductible. Preventive dental care from a participating dentist is not subject to a deductible.
Saver Plan – Subject to deductibles of $50 for an Individual and $150 for a Family¹ ², the Secure Dental Saver Plan covers Preventive Care³ and Basic Care⁴, with Major Care and Orthodontic Care Services discounted at Participating Dentists⁷. The SecureDental Saver Plan has a Calendar Year Maximum of $500 per Insured.
¹ Family limit of 3 per Person Deductibles
² Separate $50 Deductible for Non-Participating Dentist per Insured
³ Not subject to Calendar Year Deductible when received from a Participating Dentist
⁴ Subject to 30 day benefit waiting period
⁷ These services are not covered under the Policy/Certificate but are subject to a discount of up to 20% if you see a Participating Dentist
Secure Dental is not available in all states. Benefit amounts and availability may vary by state. Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.
The SecureDental Plans provide benefits for covered dental services only. The SecureDental Plans are considered excepted benefit plans under the ACA and are not minimum essential coverage plans under the ACA.
Essential dental coverage
Individuals and families primarily focused on routine and basic dental care
– Preventive and basic dental care
– PPO discounts on major services and orthodontics
– Nationwide PPO network access
– Lower costs with in-network dentists
Vision coverage for exams, glasses, and contacts
Vision Coverage
Premier Vision helps lower the cost of annual eye exams, lenses, frames, and contacts through the Spectera Eyecare Networks.
Plan
What it is
Best for
Key features
Vision Coverage Plan
Premier Vision
Premier Vision
The Premier Vision plan is easy to use and can help save you money with both insurance benefits and negotiated discounts provided by the Spectera Eyecare Networks. Premier Vision provides benefits for the annual comprehensive eye exam, corrective standard lenses and frames, or corrective contact lenses in lieu of lenses and frames.
Premier Vision uses the extensive Spectera Eyecare Networks of over 100,000 access points for care. Choose from independent or retail Providers to find the Provider that best fits Your needs and schedule. The Premier Vision Plan is designed to be easy to use, while helping You save money.
| Benefits | In-Network Benefits | Out-of-Network Benefits |
|---|---|---|
| Comprehensive Eye Exam1 | $0 Copay per Insured; 100% Coinsurance | 100% Up to an Allowance of $35 |
| Frames2 | $10 Copay per Insured; 100% Coinsurance Up to an Allowance of $120 | 100% Up to an Allowance of $60 |
| Corrective Standard Lenses2 | ||
| Single Vision Lenses | $10 Copay per Insured; 100% Coinsurance | 100% Up to an Allowance of $35 |
| Lined Bifocal Lenses | $10 Copay per Insured; 100% Coinsurance | 100% Up to an Allowance of $55 |
| Lined Trifocal Lenses | $10 Copay per Insured; 100% Coinsurance | 100% Up to an Allowance of $90 |
| Standard Progressive Lenses | $10 Copay per Insured; 100% Coinsurance | 100% Up to an Allowance of $90 |
| Premium Progressive Lenses | $10 Copay per Insured; 100% Coinsurance | 100% Up to an Allowance of $90 |
| Corrective Contact Lenses3 | ||
| Conventional | $10 Copay per Insured; 100% Coinsurance Up to an Allowance of $120 | 100% Up to an Allowance of $100 |
| Disposable | $10 Copay per Insured; 100% Coinsurance Up to an Allowance of $120 | 100% Up to an Allowance of $100 |
1Limited to one (1) Comprehensive Eye Examination every twelve (12) months from the last date of service, per Insured.
2In lieu of Corrective Contact Lenses, limited to one (1) purchase every twelve (12) months from the last date of service, per Insured. In no event will Benefits be payable for both glasses and corrective contact lenses.
3In lieu of Corrective Standard Lenses and Frames, limited to one (1) purchase every twelve (12) months from the last date of service, per Insured. In no event will Benefits be payable for both glasses and corrective contact lenses.
How Much You Can Save!
Here are a couple of examples of what You might pay for a pair of glasses with Premier Vision vs. what You would pay without Premier Vision.
Let’s say You get an eye exam and choose a frame that costs $163 with single vision lenses. The difference is clear . . .
| EXAMPLE 1 - ADULT'S GLASSES | PREMIERVISION | NO COVERAGE |
|---|---|---|
| Comprehensive Eye Exam | $0.00 | $100.00 |
| Standard progressive lenses | $0.00 | $230.00 |
| Lens copay | $10.00 | |
| Standard scratch guard coating* | $0.00 | $28.00 |
| Frame | ($120.00) | $100.00 |
| -$120 allowance | $0.00 | |
| -30% discount off $43 balance* | (12.90) | |
| Frame copay | $10.00 | |
| YOU PAY → | $50.10 | $521.00 |
| EXAMPLE 2 - CHILD'S GLASSES | PREMIERVISION | NO COVERAGE |
|---|---|---|
| Comprehensive Eye Exam | $0.00 | $100.00 |
| Single vision plastic lenses | $0.00 | $70.00 |
| Lens copay | $10.00 | |
| Child Polycarbonate lenses | $0.00 | $125.00 |
| Standard scratch guard coating* | $0.00 | $28.00 |
| Frame | $159.00 | $159.00 |
| -$120 allowance | ($120.00) | |
| -30% discount off $39 balance* | (11.70) | |
| Frame copay | $10.00 | |
| YOU PAY → | $47.30 | $482.00 |
1 Non-insurance benefit provided through the Spectera Eyecare Networks.
2 Savings based on example above and using a Provider in the Spectera Eyecare Networks.
Premier Vision is not available in all states. Benefit amounts and availability may vary by state. Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.
The Premier Vision Plan provides benefits for covered vision services only.
Vision coverage through the Spectera Eyecare Networks
Anyone who gets yearly eye exams or wears glasses/contacts
– Access to 100,000+ access points for care
– $0 copay for in-network comprehensive eye exam
– Low copays and allowances for frames and standard lenses
– Alternative allowance for contact lenses instead of glasses
– Out-of-network reimbursements available; typical benefits once every 12 months
Extra protection for income, life events, and emergencies
Supplemental Coverage
On top of medical, we can add targeted protection for critical illnesses, accidents, short‑term life, disability/income protection, and term life coverage so one event doesn’t derail your finances.
Plan
What it is
Best for
Key features
Other Coverage Plans
Critical illness & term life (MedGuard)
Med Guard – Critical Illness Coverage Plans
The Med Guard Plan pays lump sum benefits to the insured to help offset out-of-pocket healthcare or household expenses if a covered critical health incident occurs. Even without such an incident, 100% of the benefit amount is paid to the named beneficiary upon the insured’s death. This coverage combines a 5-year renewable term life benefit with a stated percentage of that benefit paid as a lump sum for covered critical illnesses, injuries, and surgeries. The life benefit is reduced by any lump sum amounts paid.
Quality coverage for periods of critical illness.
Although nobody likes to think about it, the possibility of being diagnosed with a critical illness is real. Every day thousands of Americans suffer a life threatening illness such as cancer, heart attack, or stroke.
You or a family member may one day be diagnosed with a critical illness; however, You have a greater chance of surviving that illness now more than ever. Advances in healthcare have increased survival rates tremendously; but recovery times may be extensive. The bills — both medical and non-medical — can be considerable. Are You and Your family prepared to shoulder that kind of expense?
Med Guard critical illness insurance can help fill the gap between health insurance and life insurance. Health insurance provides benefits for medical treatment but doesn’t include benefits for nonmedical expenses. Life insurance pays benefits, but after death. What if You survive a critical illness? Where will You find the financial resources to cover non-medical costs during recovery?
If You are diagnosed with a covered condition or undergo a covered critical surgery, Med Guard will pay a portion of the Death Benefit to You in a lump-sum cash payment upon diagnosis.1
| CRITICAL ILLNESS CONDITION/SURGERY | BENEFIT |
|---|---|
| Life Threatening Cancer | 100% of the Death Benefit |
| Heart Attack | 100% of the Death Benefit |
| Stroke | 100% of the Death Benefit |
| Kidney Failure | 100% of the Death Benefit |
| Major Organ Transplant | 100% of the Death Benefit |
| Permanent Paralysis | 100% of the Death Benefit |
| Terminal Illness | 100% of the Death Benefit |
| Aorta Graft Surgery | 25% of the Death Benefit |
| Heart Valve Surgery | 25% of the Death Benefit |
| Coronary Angioplasty | 10% of the Death Benefit |
| COVID-19 Infection Complications Resulting in Inpatient Hospital Confinement | 10% of the Death Benefit |
| Death Benefit – Primary Insured/Spouse | Based on selected monthly premium |
| Death Benefit – Dependent Child | Limited up to $15,000 and will not exceed 50% of Primary Insured’s coverage or exceed Spouse’s coverage |
| 1st through 90th day Death Benefit Amount for any Life Threatening Cancer | $500 |
| 1st through 30th day Death Benefit Amount other than Life Threatening Cancer | $500 |
Should You Buy Med Guard?
If You have financial obligations, such as a mortgage, or if you have savings you don’t want to spend on recovery, Med Guard critical illness insurance may be for You. If You are a parent responsible for providing for Your children, You should consider Med Guard. If You become ill and require a long recovery time with a loss of income, Med Guard can provide you with a monetary alternative. The benefit amount You receive can help You focus on fully recovering and not on worrying where You will find the money to pay your bills.
You can use the cash for any purpose You deem necessary such as helping to:
- Protect Your assets from being spent on recovery
- Replace lost income for You & Your care‑providing spouse
- Pay Your mortgage or other obligations
- Offset out-of-pocket or medical expenses not covered by health insurance
- Pay for experimental treatment
- Pay home healthcare expenses
- Pay tuition expenses if You need to return to school
- Reduce Your debt
- Maintain Your Family’s lifestyle
- Pay Your taxes
- Pay travel and temporary housing expenses for You and Your Family while receiving care away from home
- Renovate Your home or relocate
- Pay for childcare
- Finance or protect Your children’s college tuition
- Maintain Your business during recovery
1 The Death Benefit for the Primary Insured and the Spouse of the Primary Insured will be reduced by 50% on the respective 65th birthday of the Primary Insured and the Spouse of the Primary Insured. Benefits are reduced by the amount of the Critical Illness Benefit previously paid.
Med Guard is not available in all states. Benefit amounts and availability may vary by state. Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.
The Med Guard Plan is a 5-year, renewable term life insurance plan with the plan’s stated death benefit paid to the insured’s designated beneficiary. The Med Guard plan also contains an accelerated critical illness benefit, which provides the accelerated lump sum payment to the insured, while living, the stated percentage of the death benefit, if the insured is diagnosed with a covered critical illness or covered critical injury or undergoes a covered critical surgical procedure.
5-year renewable term life with built-in critical illness benefits
People who want both a death benefit and cash if they survive a major illness or surgery
– Lump-sum payout for covered critical illnesses and surgeries (for example, life-threatening cancer, heart attack, stroke, organ transplant)
– Remaining death benefit paid to beneficiaries
– Cash can be used for medical or everyday expenses
– Benefit amount based on the chosen death benefit
Accident & AD&D (Accident Protector)
Accident Protector – Excess Medical Expense Coverage
Extra Coverage for Life’s Unpredictable Mishaps
Accident Protector provides extra coverage to help cover out-of-pocket expenses related to an accident.
Utilize Accident Protector to provide You with a financial advantage:
- Provides lump sum payouts if Your Injury is due to an accident and results in a loss.
- Excess Medical Insurance that helps cover the cost of deductibles, co-pays, and other expenses not covered by insurance.
When it Comes to Accidents…You Can’t Be Too Careful
Accident Protector provides extra coverage to help fill in the gap between Your Accident Plan’s Calendar Year Deductible, Access Fees, and out-of-pocket Coinsurance expenses!
| EXCESS MEDICAL EXPENSE COVERAGE: | |
|---|---|
| Medically Necessary Treatment by a Physician | Hospital Room & Board |
| Medically Necessary Treatment by a Nurse | Ambulance |
| Diagnostic Tests & X-Rays | Outpatient Surgery |
| Oxygen | Blood & Blood Plasma |
| Rental of Durable Medical Equipment for a Covered Accident or Injury | Casts, Splints & Crutches |
| Prescription Drugs & Compounded Prescription Drugs | Over-the-Counter Drugs |
| Medically Necessary Treatment by a Dentist | Dental Work to Sound Natural Teeth |
Accidental Death and Dismemberment
Unintentional Injuries continue to be the fifth leading cause of death in America. With Accident Protector, if an Insured’s Injury results in a loss, We will pay You up to 100% of the AD&D maximum2 based on this schedule:
Emergency Air Ambulance
Your coverage includes the amount of Emergency Air Ambulance expense up to the maximum of $4,000 per Accident per Insured for Medically Necessary transportation by air to the nearest Hospital qualified to render treatment in an Emergency within 90 days from the date of Injury sustained in an Accident.
Up to $4,000 per Accident per Insured
Your coverage includes the amount of Emergency Air Ambulance expense up to the maximum of $4,000 per Accident per Insured for Medically Necessary transportation by air to the nearest Hospital qualified to render treatment in an Emergency within 90 days from the date of Injury sustained in an Accident.
We give You the option to select coverage that fits Your budget and needs. Choose Your coverage amount from the list below:
1 Benefits reduce by 50% on the 65th birthday of the Primary Insured and the spouse of the Primary Insured.
2 AD&D Maximum equal to Excess Medical Expense Coverage Maximum Benefit selected.
Accident Protector is not available in all states. Benefit amounts and availability may vary by state. Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.
The Accident Protector Plan provides excess medical expense benefits for covered medical services in the treatment of covered accidental bodily injuries but is neither a traditional major medical plan nor a Workers Compensation plan under state law.
Excess medical expense and accidental death & dismemberment coverage
Anyone who wants help with deductibles and out-of-pocket costs after an accident
– Helps cover deductibles, and other accident-related costs
– Includes accidental death and dismemberment benefits tied to the selected maximum
– Includes emergency air ambulance coverage up to a stated amount
– Multiple coverage and deductible levels available
Short-term disability (Income Protector)
Income Protector –
Short Term Accident Disability Coverage
Short Term Accident Disability Insurance can help you pay your bills if you become disabled due to a covered accident. If you become totally disabled due to a covered accident, Income Protector can pay you monthly benefits for up to 12 months.
How Long Could You Survive Financially Without a Paycheck?
Whether you have a family or are a team of one, the bills don’t stop just because You are sidelined with an accidental injury. When accidents happen, Income Protector can help by providing monthly benefits to assist You with bill payments and general expenses. Don’t let the unexpected stop You in your tracks. We hope an accident never happens, but if it does, it’s better to be prepared. Income Protector can be an important part of Your overall game plan of protection.
- 49% of workers would have difficulty supporting themselves within one month of becoming disabled. 1
- In the U.S., a disabling injury occurs every second. 2
Income Protector is not available in all states. Benefit amounts and availability may vary by state. Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.
The Income Protector Plan provides disability income benefits for disability resulting from covered accidental bodily injuries and is neither a traditional major medical plan nor a Workers Compensation plan under state law.
1 The Disability Survey conducted by Kelton Research on behalf of the LIFE Foundation, April 2009
2 National Safety Council®, Injury Facts® 2010 Ed.
Accident-based disability income
Workers who need backup if an accident keeps them from earning
– Pays a monthly benefit for up to 12 months if totally disabled from a covered accident
– Designed to help with ongoing bills and general living expenses
– Benefit levels vary by state and selected option
Association Membership (AIBC)
Membership with health, lifestyle, travel, and financial perks
Individuals and families who want extra value beyond their insurance plan
– Wellness and telehealth benefits
– Travel, roadside, and identity theft assistance
– Shopping and lifestyle discounts
– Ability to increase benefits on eligible plans without additional underwriting
Term life (Life Protector)
Life Protector –
Life Coverage Plan
Life Protector is a 10 year term life insurance plan that provides peace of mind for your family through valuable life insurance benefits in the event something unforeseen were to happen.
Provide Peace of Mind for Your Loved Ones
With Life Protector, a 10 year renewable term life insurance plan, You can help provide the financial security Your family needs and deserves. Life Protector is a great option to add to Your portfolio of protection.
Pure and Simple
- Provides protection to help with obligations like mortgage, car payment, childcare or educational expenses and other obligations.
Peace of Mind
- Provides protection in the event of unforeseen death.
Not Taxable to Beneficiaries
- Provides valuable term life insurance benefits that in most instances are free from income tax for the beneficiary.
Economical
- With premium payment options from $10 to $50, all in $5 increments, it’s easy to find an economical solution to Your life insurance nee
The Life Protector plan is renewable until the insured reaches age 70.
Life Protector is not available in all states. Benefit amounts and availability may vary by state. Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.
The LifeProtector Plan is a 10-year, renewable term life insurance plan with the plan’s stated death benefit paid to the insured’s designated beneficiary. The LifeProtector Plan does not contain any rider for the acceleration of the payment of the death benefit to the insured.
10-year renewable term life coverage
People who want simple, budget-friendly life insurance
– Death benefit generally income-tax-free to beneficiaries
– Flexible low monthly premium options
– Renewable to approximately age 70
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