A Smart Financial Decision in Retirement

You’ve spent your life making smart financial decisions. That’s why you’ve built a successful career, provided well for your family, and set yourself up for a comfortable retirement. You know how to maximize opportunities and protect what you’ve built.

So let’s ask an important question:

If you were diagnosed with cancer or suffered a heart attack, would you rather pay for treatment with your own money—or use ours?

You’re on Medicare. You have assets. You can afford the best care available. That’s great. But successful people don’t stay successful by paying unnecessary costs out-of-pocket when there’s a smarter way.

Medicare covers a lot, but it doesn’t cover everything. Even with a Medicare supplement, you could still face costs like:

• Travel and lodging if you need treatment at a top cancer center.
• Experimental treatments that Medicare won’t cover.
• A spouse’s lost income if they take time off to care for you.
• Non-medical expenses like mortgage payments, home care, or estate planning adjustments.

With Family Heritage, we pay YOU direct cash benefits to cover those costs. That means you don’t have to touch your investments, deplete savings, or spend dollars that could go to your children or grandchildren.

You’ve worked hard to create a financial legacy for your family. You wouldn’t pull money from your inheritance to cover a business expense—you’d use the right financial tools. The same principle applies here.

Every dollar you take from your savings to cover medical costs is one less dollar your family will receive. A Family Heritage policy ensures that if a major illness strikes, it’s our money—not yours—covering the bill.

If something happens to you, will your spouse be financially secure? If you pass away before her, will she have the resources she needs to maintain the same lifestyle?

A Family Heritage policy does more than protect you—it protects her, too.

• While you’re alive: It provides financial support for medical costs.
• If you pass away: The Survivor Benefit ensures your premiums go to your beneficiary, giving them extra financial security.

This is a simple, strategic way to continue taking care of your spouse, even after you’re gone.

The Best Part? Every Dollar You Pay Comes Back to You

1. Unlike other insurance policies where you pay premiums and never see that money again, Family Heritage offers Return of Premium (ROP). That means:
   If you need to file a claim, we pay you cash benefits.
2. If you stay healthy and never claim, you get your premiums back—every dollar—or your beneficiary does if you pass away first.

This is not an expense. It’s a financial strategy.

Successful people make decisions based on logic, not emotion. This is a decision that protects your assets, your legacy, and your loved ones.

You’ve built your wealth by being smart with your money. Now, be smart about protecting it.

Let’s talk about how Family Heritage can keep your money where it belongs—working for you and your family.