Product: Accidental Insurance Policy

Helps provide a financial cushion beyond an accident to include sickness and off-the-job disability riders

An extended illness can be just as debilitating as an injury - suspending or stopping the physical capability to earn a living.

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Product: Cancer/Specific-Disease Insurance Policy

Helps offset the medical expenses related to cancer treatment.

In the United States, men have a little less and a 1 -in -2 lifetime risk of developing cancer; for women, the risk is a little more than 1-in-3. Since 1990, about 18 million new cancer cases have been diagnosed.

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Product: Hospital Intensive Care Insurance Policy

Covers confinement in hospital intensive care

ICU costs can soar well above those of a general room as well as above the benefit levels of standard health insurance policies.

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Product: Hospital Confinement Indemnity Insurance Policy

Helps offset the non covered expenses of a hospital stay

Inpatient daily costs average over $1200; outpatient surgery accounts for 63% of all operations

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Product: Life Insurance Policy

Provides term or whole life

Growing families are most at risk if one or both of the breadwinners sustain an untimely death.

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Product: Dental Insurance Policy

A portable, no-deductable plan that offers freedom of choice and no coordination of benefits

Good oral care, including periodic wellness visits- helps reduce the likelyhood of expensive treatment and work disruption later on.

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Product: Specified Health Event Insurance Policy

Helps offset the medical expenses related to a covered life-threatening health event

Certain life threatening events pose special financial risks because of their statistically high levels of incidence and cost

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Product: Hospital Confinement Sickness Indemnity Insurance Policy

Provides a physician feature that covers sickness, accident, and wellness visits in addition to the plans basic sickness-only benefits

Illness rather than injury is the leading cause of emergency room visits.