Your Health insurance pays the doctors.

Who pays you?

Accidents, cancer, heart attacks, and unexpected hospital stays can leave your family with expenses health insurance doesn’t cover.

Our supplemental insurance pays cash benefits directly to you when you qualify, helping protect your income, savings, and family.

Plus, our plans feature Return of Premium after 25 years, subject to policy terms.

THE RETURN OF PREMIUM ADVANTAGE

What If Your Insurance Could Pay You Back?

Most people think of insurance as money they’ll never see again. With our supplemental insurance policies, you can protect your family today and receive your eligible premiums back after 25 years—even if you’ve received benefits along the way.

Protection When You Need It

Receive cash benefits for covered illnesses, injuries, and hospital stays according to your policy.

Your Premiums Back After 25 Years

Qualifying policyholders can receive their eligible premiums back, regardless of whether they’ve received covered claim benefits.

And the Best Part? You Can Keep Your Coverage.

After receiving your Return of Premium, you can continue your policy at the same premium rate as long as you keep paying your premiums, subject to policy terms.

Discover How Return of Premium Works

Real Life Happens. Be Financially Prepared.

From accidents and serious illnesses to unexpected hospital stays, our supplemental insurance provides cash benefits for covered events—helping you protect your finances and focus on what matters most.

When Cancer Changes Everything, Your Finances Need Protection Too.

A cancer diagnosis can impact more than your health—it can affect your income, savings, and family’s financial security. CancerCare pays cash benefits directly to you for covered cancer-related events, helping you focus on recovery instead of financial stress.
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A Heart Attack or Stroke Shouldn't Put Your Financial Future at Risk.

A heart attack or stroke can change your life in an instant, but your financial responsibilities don’t stop. CardiaCare pays cash benefits directly to you for covered heart and stroke events, helping protect your family from unexpected financial burdens.
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Accidents Happen. Your Bills Don't Stop.

Accidents happen when you least expect them, and even a minor injury can create unexpected expenses. InjurCare pays cash benefits directly to you for covered injuries and treatments, helping keep life’s surprises from becoming financial setbacks.
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An ICU Stay Can Change Your Life Overnight. Be Financially Prepared.

An unexpected stay in intensive care can create financial challenges at a time when your family needs peace of mind. Our ICU coverage pays cash benefits directly to you for covered intensive care stays, providing financial support when you need it most.
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