How would you pay your bills if you couldn’t work for 6 months or more?

For Individuals

We give our clients cold, hard cash when they go through cancer, heart problems, accidents and hospitalizations, avoiding the #1 cause of bankruptcy in the USA: Medical Bills.



Our policies are designed to protect you when you need it most: when you are dealing with unexpected costs from an illness or injury.

For Businesses

Finding good employees is hard. Keeping them around is even harder. You need to offer quality benefits that appeal to your employees without breaking the bank.

Our affordable benefits pay your employees cash if they get sick or hurt and can be paid by the employee – not by you, and not through your payroll system!

WE DO WHAT WE DO TO LIVE THE LIVES WE LOVE

INDIRECT COSTS: THE HIDDEN DANGER

Most people don't realize their largest expenses during illnesses are not their medical costs, but the indirect costs that your medical insurance will not cover.

WHAT ARE INDIRECT COSTS?

Lost income and savings / Living expenses / Deductibles / Co-Pays / Uncovered treatments and procedures / Travel to get the best treatment possible / In-home care / Child care

WHAT'S YOUR PLAN?

Do you have a savings account to pay your deductibles? How about enough to also pay your other bills once your out-of-pocket limits are reached? If you don't, we have an affordable option that provides critical financial protection when you need it most.

OUR PRODUCTS

Protection from life's biggest risks

Accidents

24/7/365 Coverage that pays for injuries on or off the job.

Cancer

CKeeps cash flowing from diagnosis through treatment and beyond.

Heart

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

Hospital / ICU

Not disease-specific and applies for any reason whatsoever.

WHAT IS REFUNDABLE COVERAGE?

Why can't you get your premium back if you don't end up needing the coverage you buy?

OUR POLICIES ARE REFUNDABLE

If you do not need the coverage, or are fortunate enough to not have a claim we'll pay your premiums back to you. Don't you wish all your insurance worked like that?

HOW DOES THAT WORK?

Depending on the state you live in, you will get your premium money back, minus any claims. Use it however you want. It's your money - you didn't end up using the coverage, now you get it back.

WHAT CLIENTS SAY

Don't take our word for it ....

Kristine Smith

BENEFIT PAID: $196,601

This insurance was very helpful to pay for our hotel, lodging fees. We were able to buy a newer vehicle to help us transport our daughter back and forth to the hostpital. They provided mileage reimbursement so we were able to use that for gas. We used a portion to help pay for our time in the hotel for the radiation treatments for 6 weeks. We never expected to use it but we did. It helped too since I was not able to work during her illness so it helped supplement my income.

Christopher Wagner

BENEFIT PAID: $117,570

This insurance plan was so helpful to us. We never expected to use our insurance, so when our eight year old was diagnosed, we were in shock. This plan helped us focus on him and not on our finances.


Sarah Hodge

BENEFIT PAID: $136,253

This insurance has been very helpful to our family. We have filed several claims due to my sons heart condition. Each time they have gotten us our checks in less than 3 weeks. We have used this to keep up with all our monthly bills, including all the extra medical expenses. I never realized how much health insurance doesnt cover. Preparing yourself for the inevitable is a smart and easy decision. This policy provides you with security and acts like a forced savings account.

WE DO WHAT WE DO TO LIVE THE LIVES WE LOVE

OUR TEAM

We manage assets; we lead people.

Rachel Burnett

Regional Director

Agency Owner

Lynette Lichtenberger

Field Director

Field Director

Field Director

Jesse Saenz

Market Director

Jennifer Schaffer

Talent Acquisition

Mark Squire

Market Director

Kacey Toliver

Market Director