Hospital Indemnity (IndemniCare)
What it helps cover
- Additional money in your pocket during the days in the hospital
- Surgery, ICU, and ambulance (per plan)
- Travel, lodging, and everyday bills
Why it helps
Even good health insurance leaves gaps. This puts cash in your hands—fast.
Highlights
- Benefits paid directly to you
- Premiums don’t increase with age
- Return of Premium may be available (per policy)
Good fit for…
Families with high deductibles, retirees, and anyone who wants budget certainty. Coverage varies by state and policy; see your policy for limitations/exclusions.
Accident (InjurCare Plus)
What it helps cover
- ER/urgent care visits, fractures, burns, stitches
- Follow-up visits, physical therapy
- Ambulance and hospital confinement (per plan)
Why it helps
Accidents interrupt income and add bills. This cushions the hit.
Highlights
- Lump-sum cash for covered injuries
- Pays in addition to other insurance
- Return of Premium may be available (per policy)
Good fit for…
Active families, commuters, weekend warriors, and budget-minded households. Coverage varies by state and policy; see your policy for limitations/exclusions.
Cancer (CancerCare Plus)
What it helps cover
- Diagnosis and initial treatment benefits
- Chemo, radiation, surgery, hospital stays
- Travel/lodging during treatment (per plan)
Why it helps
Treatment time is hard enough—this brings financial breathing room.
Highlights
- Cash to you during treatment
- Pays in addition to other insurance
- Return of Premium may be available (per policy)
Good fit for…
Anyone with a family history, caregivers, and those wanting long-term protection. Coverage varies by state and policy; see your policy for limitations/exclusions.
Heart & Stroke (CardiaCare Plus)
What it helps cover
- Heart attack and stroke benefits
- Hospital, rehab, follow-up care
- Travel, lodging, and incidentals (per plan)
Why it helps
Cardiac events are costly and sudden—cash buys time and options.
Highlights
- Lump-sum or scheduled benefits (per plan)
- Paid directly to you
- Return of Premium may be available (per policy)
Good fit for…
Adults 40+, those with risk factors, and families wanting a safety net. Coverage varies by state and policy; see your policy for limitations/exclusions.
Child Whole Life
What it helps cover
- Lifetime life insurance for your child
- Builds cash value over time
- Optional riders (per state/policy)
Why it helps
Lock in coverage early and start lifelong value for your child.
Highlights
- Rates that never increase
- Builds cah value
- Family add-on options
Good fit for…
Parents, grandparents, godparents—great gift of lifelong protection. Coverage varies by state and policy; see your policy for limitations/exclusions.
Whole Life Insurance
What it helps cover
- Lifelong rates for your life insurance
- Builds cash value over time
- Coverage never gets reduced, cancelled or reduced
Why it helps
Premiums that will never increase, and the coverage will never decrease.
Highlights
- Rates that never increase
- Builds cash value
- Add-on options for children
Good fit for…
Whole Life insurance is ideal for individuals and families who want permanent protection, fixed premiums, and lifelong financial security.
