Accident Insurance
Accidents can happen to anyone. No matter who you are, what you do or where you live, you could get hurt accidentally. It’s just the nature of life.

And accidents can come with costs, such as emergency room fees, doctor’s bills, and the cost of missing work. Even if you have good health insurance, deductibles and co-pays can really add up after an accident. Do you have savings available to pay these costs?

  • With accident insurance, you can receive money paid directly to you to help with all the expenses of a covered accident. So you can focus on what really matters – healing.
  • With accident insurance, you can be ready for the unexpected costs an injury can bring
  • Active families with children in sports are especially vulnerable to the rising costs of medical treatment for injuries. But everyone, young or old, could suffer an accident at any time.

Dental Insurance

It’s important to maintain a healthy smile, but dental procedures can be expensive. With dental insurance you can help preserve your dental health – and your budget – with easy-to-use coverage.

Advantages of our dental insurance

  • Dental wellness
  • Network providers offer 100% coverage on preventive services, with no waiting periods on preventive and basic services.
  • Large network with freedom of choice
  • You can find a dentist in our national PPO network, which has more than 323,000 access points, and you can choose any dentist you want – in-network or out-of-network.
  • Potential to maximize savings
  • You can receive additional savings on covered and non-covered services when you stay in-network. 

Cancer Insurance
How would cancer impact your way of life?

Hopefully, you and your family will never face cancer. If you do, a financial safety net can help you and your loved ones focus on what matters most — recovery.

If you were diagnosed with cancer, you could have expenses that medical insurance doesn’t cover. In addition to your regular, ongoing bills, you could have indirect treatment and recovery costs, such as child care and home health care services.

Help when you need it most

Cancer coverage from can help protect the lifestyle you’ve worked so hard to build. It provides benefits you can use to help cover:

■ Loss of income

■ Out-of-network treatment

■ Lodging and meals

■ Deductibles and co-pays

Disability Insurance

If you become disabled, you could be out of work for a period of time. Without your income, how would you pay for your everyday living expenses? 

How reliable is your safety net? While many with disabilities look to workers’ compensation or Social Security Disability Insurance for help, these resources aren’t always reliable. Even if they can help, you still might be unable to meet all of your financial obligations.

You may receive monthly benefits if you become disabled because of a covered accident or sickness. Partial disability could enable you to work part time and still receive 50% of the total disability benefits. In most cases, you can keep your coverage even if you leave your employer

Term Life Insurance

Peace of mind for you and your loved ones

You want what’s best for your family, and that includes making sure they’re prepared for the future. You can provide financial security to help them cover their ongoing living expenses.

Advantages of term life insurance

  • Lower cost when compared to cash value life insurance 
  • Same benefit payout throughout the duration of the policy
  • Several term period options for flexibility during high-need years
  • Benefit for the beneficiary that is typically tax-free
  • Stand-alone spouse policy available whether or not you buy a policy for yourself
  • Guaranteed premiums that do not increase during the selected term
  •  Ability to convert all or a portion of the benefit amount into cash value life insurance
  • Flexibility to keep the policy if you change jobs or retire
  • Built-in terminal illness accelerated death benefit that provides up to 75% of the policy’s death benefit (up to $150,000) if you’re diagnosed with a terminal illness1
  • Premium savings for face amounts over $250,000 based on your health

Whole Life Insurance

You can’t predict your family’s future, but you can be prepared for it.

You like to think that you’ll be there for your family in the years to come. But if something happened to you, would your family have the income they need?

It’s not easy to think about such serious circumstances, but it’s important to make sure your family is financially protected. You can gain peace of mind with whole life insurance.

Advantages of whole life insurance

  • Permanent coverage that stays the same throughout the life of the policy
  • Guaranteed level premiums that do not increase because of changes in health or age
  • Access to the policy’s cash value through a policy loan for emergencies
  • Benefit for the beneficiary that is typically tax-free Benefits and features
  • Two plan options to choose what age your premium payments will end – Paid-Up at Age 70 or Paid-Up at Age 100
  • Stand-alone spouse policy available whether or not you buy a policy for yourself
  • Flexibility to keep the policy if you change jobs or retire 
  • Built-in terminal illness accelerated death benefit that provides up to 75% of the policy’s death benefit (up to $150,000) if you’re diagnosed with a terminal illness

Critical Illness Insurance

You never know when you or someone you care for may be affected by a critical illness. The good news is that more people are surviving critical illnesses thanks to improved treatment options and lifestyle changes.

Learn the facts so that if you or your loved ones experience a critical illness, you can fight back financially during recovery.

Critical illnesses may include conditions such as heart attack, stroke, major organ failure and cancer.

  • 85% of heart attack victims survive.
  • Stroke is a leading cause of serious long-term disability.
  • Every 10 minutes, someone is added to the organ donation waiting list.
  • 37 million people or 15% of U.S. adults are estimated to have chronic kidney disease.
  • Fortunately, we know more about what causes many critical illnesses, and many Americans are more conscious about their health.
  • Heredity is just one stroke risk factor; others include age, gender, ethnicity and even some medical conditions.
  • Diabetes and hypertension are the leading causes of kidney failure.
  • Up to 80% of strokes are preventable.