Supplemental Insurance

It Is Important That You Know:

Our insurance products are made available at the worksite and can be purchased on a payroll deduction on a “pre-tax” basis.  Policies may be purchased on a “direct” basis to individuals outside their workplace.  There are no costs to the Employer!

Products That We Specialize In:


Hospital Indemnity 

Designed to Supplement Health Insurance Plans
Health Insurance is a great way to help pay the costs of medical treatment that may be necessary.  Most plans offered today don’t pay all the costs associated with necessary treatment, physicians, emergency rooms and hospital stays.  The average length of stay in a U.S. Hospital in 2003 was 4.8 days.  Even just a couple of days in the hospital could be costly to you.  Lost income, medicines and therapy can quickly add up.  Supplemental Health Insurance can help protect your hard-earned savings and it can help you cover some of the “out of pocket” costs associated with medical care for both “in-patients” and “out patients”.


Critical Illness Insurance

Do you know someone who has had Heart Disease, Stroke, Alzheimer’s Disease, Multiple Sclerosis or Paralysis?  Would your finances survive a Critical Illness?
This policy pays a lump some benefit up to $100,000 directly to the policyholder immediately following diagnosis to help pay for lost income, Mortgage Payments, Travel Expenses, Home Health Care, Prescription Drugs, Child Care and much, much more.......


Cancer Insurance

No one likes to think about getting cancer.  It will affect 1 in 2 men and 1 in 3 women.  Cancer may not be preventable, but you can protect yourself from the costs.  Cancer and Specified Disease Insurance can help you:  Preserve Savings;  Protect your family from financial hardship;  Concentrate  on getting well.


Accident Insurance

“on and off” the job coverage, including Disability Income
An accident can wreak havoc on your savings if you’re not prepared.  That’s why there’s Accident Insurance.  It gives you a cushion to help cover medical expenses and living costs when you get hurt unexpectedly.  On the average, there re 11 unintentional-injury deaths and about 2,330 disabling injuries every hour during the course of a year.  Nearly 1 in 8 people sought medical attention or suffered at least one day of activity restriction because of an injury.  Accident Insurance can pay you a lump sum benefit for “on or off” the job accidental injuries, plus some additional medical benefits.  Because Accident Insurance is supplemental, it works in addition to other insurance you may have.


Would your Finances survive an accidental injury?

Disability Insurance
Many people insure their car and home but forget to insure their most valuable asset, their ability to earn an income.  What if one day you got sick or injured and could not work?  How long could you go without a paycheck?  Where would you go for help?  If you can’t work because of a sudden injury or illness, you can be financially secure.  Supplemental Disability income can help ease the burden when your paychecks stop.  As you recover, Disability Insurance will replace 60% of your monthly income.  This will help you cover your bills and still support your family and protect your hard earned savings.


Term Life

Because you work hard for your family, it makes sense to be sure they are financialy protected in life and death.  This is where Term Life Insurance helps out.  It gives you peace of mind that your family will be taken care of and you have the ability to purchase affordable insurance for your dollar that we can lock in for up to 30 years.  Return of Premium coverage is also available.  This will guarantee all your paid premium will be refunded to you in the event you out live the term.  This is a “win, win” situation.


Universal Life

No one likes to think about death, but it will happen to all of us someday.  Have you thought about how your family’s quality of life will be affected if they lose you, and your income?  Universal Life Insurance helps assure you that money won’t be your family’s major worry when your gone.  This policy can help reach your financial goals during your lifetime.  It’s smart to have Life Insurance that will grow in value over time as well as lock in your premiums for life!



Other Key Advantages


  1. Benefits paid on the above policies are paid directly to the policyholder, unless assigned and claim checks are usually mailed in approximately 4 working days after the claim has been filed.
  2. Benefits are paid regardless of any other coverage.
  3. Individual or family coverage can be maintained after an employee leaves his or     her employment “at the same payroll rate.”
  4. Coverage for the above policies can start at as little as $4 per week.

​​We are partnered with the largest brokerage houses in the country and through them, we can also provide you with the lowest rate proposals for:


  • Group & Individual Health Insurance
  • 401k’s & 403b’s
  • Senior Products
  • Investment Vehicles
  • College Plans
  • Workers Compensation
  • Payroll Services
  • PEO Employee Leasing