To Watch a Short Video About Hospital Indemnity Click Here

Ask yourself these questions:

  • If hospitalized, do you have the money needed for your part of the costs that your insurance does not cover?
  • If you need to go to a Rehab facility after an accident, or surgery, or a stroke for example, do you have the money put away for your portion that insurance does not pay for?
  • Do you have the money to go to the Emergency Room?
  • If you get a cancer diagnosis, will the constant doctor visits, loss of work, and medical expenses put a burden on you or your family?

All of these can be very costly depending on your insurance coverage and savings.

What is Hospital Indemnity Insurance?

These plans supplement your existing health insurance by paying for hospital stays.  They pay you cash for each day you spend in the hospital to be used as you see fit while you recover.  The money is not paid to the hospital, it is paid to you! The coverage works if you are covered by individual health insurance, group medical plans or Medicare. There are always copays and deductibles to meet and this will take the stress out of coming up with that money.

Some plan options pay you additional benefits beyond hospital stays.  Ambulance, Skilled nursing facility, outpatient surgery, cancer diagnosis, ER visit, lump sum hospital stay, and even doctor visits can put money back in your pocket.


  • Hospital Indemnity Plans are completely customizable to make them match up with your current or future insurance coverage.
  • They will cover an individual, a couple or a family.
  • Designed to Relieve stress of medical bills piling up, causing slower recovery times.
  • They can be written from ages 18-89 and are guaranteed renewable as long as you make the payments.
  • The rates do not go up as you age and benefits are restored after 60 days

Contact us today to run some numbers and see what options you would like to take advantage of for your future medical “inconveniences.”

Critical Illness Insurance

To Watch a Short Video About Critical Illness Click Here

What is Critical Illness Insurance?

This is a Limited Benefit Policy, not a comprehensive major medical plan or a Medicare supplement policy.

This type of insurance is designed to reduce the emotional and financial stress that comes with the diagnosis of and recovery from a critical illness. This should help families shrink or close the financial gap and focus on getting well, not paying the bills. With the advancement of modern medicine, people will continue to survive illnesses and diseases that at one time were fatal. The cash payout from a Critical Illness policy can provide valuable financial support when it’s needed most and with more people surviving serious illnesses and disease now more than ever, the need for more complete healthcare planning can be crucial.

What illnesses are covered?

These plans cover for illnesses such as Cancer, Heart Attack, Stroke, and Alzheimer’s disease.  They usually pay out as one lump sum upon diagnosis, but some plans will allow a monthly cash benefit.  You have complete discretion on how to spend the money, it could be used for out of network medical costs, experimental treatments or even to pay your mortgage or rent.  You do not have to show any bills or receipts, there are no strings attached. Besides the most common occurring critical illnesses, today’s typical plans cover a broad range of critical illnesses such as:

  • Alzheimer’s Disease
  • Blindness
  • Brain Tumor
  • Cancer
  • Coma
  • Coronary Artery Bypass
  • Heart Attack
  • Kidney Failure
  • Major Organ Transplant
  • Parkinson’s Disease
  • Paralysis
  • Stroke

While we don’t consider Critical Illness insurance a replacement for your health insurance, it is an important supplement benefit that can provide much needed financial relief and flexibility.

Take time to explore these Critical Illness options and planning can protect your family and ease financial concerns when you need it the most. Many companies have a return of premium benefit that can be added to the policy, so if you happen to be in the group that does not suffer one of those diseases, you can get all of your money back.  You really have nothing to lose.

Give us a call today to get a quote on a plan that you feel would best suit your needs.