INSURANCE
Accident & Illness Insurance Suite
Tailored coverage options based on consumer needs.
Insurance
Hospital Accident Insurance
Provides cash benefits in the event of hospitalization due to a covered accident.
Pays daily hospital cash benefits – for up to 365 days for each covered accident – to spend without restriction and can supplement any other coverage plan the consumer may have.
Guaranteed Coverage for Individuals & Families
Consumers age 18 or over cannot be turned down for this coverage –with guaranteed-acceptance Family Plan covers spouses, partners, and children, too.
Use Claim Payments However You Need
Claims payments can be spent for any medical or personal expenses …and for any deductibles or claims not covered by other insurance.
No Lifetime Maximum
Cash benefits paid in addition to any other insurance with no maximum lifetime limit on claims.
Stable Group Rates—No Increases for Claim
Group rates stay the same with no premium increase due to number or amount of claims.
rECOVERY
Recuperative Care Plan
This supplemental insurance plan provides cash benefits for hospitalization in the event of a covered accident or sickness to be used any way someone chooses.
One plan for both injuries and illnesses – including health conditions that exist before enrolling – to help recover physically and financially after a covered hospital stay.
Guaranteed Acceptance – No Health Questions
Acceptance is guaranteed regardless of health – with no physical exam or medical questions for consumers ages 18 and over.
Coverage for Injuries & Pre-Existing Conditions
Helps cover the costs of serious injuries and all sicknesses –even pre-existing illnesses –
with first-day hospital cash benefits.
No Deductibles or Waiting Periods
Claims paid in addition to any other insurance with no deductibles and no waiting periods.
COVERAGE
Accident Expense Coverage
This Injury Care Accident Insurance pays cash benefits for covered everyday injuries, immediate care, medical care and recovery care.
Pays claims directly to consumers –in addition to any other insurance –to help fund any personal expenses or coverage gaps.
Lump-Sum Payout for 50+ Injuries
Pays lump sum upon diagnosis for over 50 common injuries including burns, dislocations, lacerations, organized sports injuries, and more.
No Lifetime Benefit Maximum, Benefit Reductions or, Termination Age
Pays in addition to any other coverage a person may have.
Guaranteed Acceptance for Individuals & Families
Acceptance is guaranteed with individual-only and family plan coverage options available.
INSURANCE
Critical Illness & Injury Insurance
Provides crucial financial help after a covered critical illness such as cancer, heart attack or stroke, paralysis or coma.
Supplemental insurance that pays consumers directly without spending restrictions…and without reductions for any other insurance.
Lump-Sum Payout for Critical Illness
Makes a lump-sum payment upon initial diagnosis of heart attack, stroke, cancer, paralysis, and coma.
Recurrence Cash Benefits
Makes a second lump-sum payment for recurrences of the same covered critical illness.
Guaranteed Acceptance for Ages 64 and Under
Consumers age 64 and under cannot be turned down for this plan – regardless of current health or pre-existing conditions.
Flexible Funds for Care & Quality of Life Benefit
Designed to provide discretionary funds for best quality of life, as each consumer needs and wants.
View our other product suite offerings.
Our research[1] reveals that 76% of consumers who’ve purchased insurance through their bank or membership organization are open to buying more.
Offering the right products—personalized to their needs—can help you meet that demand.
Frequently Asked Questions
Many people face out-of-pocket costs that can be financially burdensome. Supplemental insurance can provide additional financial support by offering direct payments that can be used for medical expenses, lost income, or daily living costs.
By reducing financial strain during medical emergencies, they help your consumers avoid any potential debt, maintain savings, and stay on track with their financial goals.
Rising healthcare costs, high-deductible plans, and increased financial uncertainty have driven strong consumer demand for supplemental insurance solutions.
Each serves a unique need—accident insurance covers accidental injuries, critical illness covers major diagnoses, and hospital plans help with inpatient costs—many people bundle them for complete protection.