Discover Your Supplemental Coverage Options

Customized Additional Coverage Designed Just for You

Hand with IV in hospital setting, blurred background, symbolizing how accidental benefits can enhance a primary life insurance policy during unexpected events

Accidental Benefits

Comprehensive supplemental protection to offset unexpected costs of accidental injuries. Offers financial support for accident-related expenses with set benefits for emergency treatments and hospital stays

 

Key Benefits

  • Emergency Accident Benefit
    Fixed payment for emergency treatment within 72 hours of an accident.
  • Hospital Benefit
    Daily payments for hospitalization—up to 365 days per accident.
  • Intensive Care Benefit
    Double hospital benefit for intensive care stays—up to 14 days per accident.
  • Accidental Death & Dismemberment (AD&D)
    Lump-sum payouts for accidental death or qualifying injuries like loss of limbs or sight.


Accident coverage reduces financial strain, letting you focus on recovery.

Husband and wife speaking to doctor, symbolizing how a cancer policy provides an extra layer of protection to help cover unexpected expenses after a diagnosis

Cancer Coverage

Focus on recovery, not bills, when the unexpected  unexpected happens. Pays out lump sum or per procedure depending on options selected.

  • Direct payments to you
    If diagnosed with cancer, benefits go directly to you—not hospitals or doctors—so you can use them where needed most.
  • Support for daily expenses
    Can help cover essentials like mortgage, groceries, childcare, travel, or alternative treatments not covered by insurance.
  • Reduces financial stress
    Cancer is a leading cause of medical debt. This coverage helps protect savings and maintain your family's lifestyle.
  • Peace of mind
    Being prepared ensures your family avoids financial struggles alongside emotional challenges.

 

Cancer coverage adds security for life’s unexpected challenges.

Man holding a woman’s hand with an IV in hospital, symbolizing how a critical illness policy can provide financial stability during health challenges

Critical Illness Coverage

A financial safety net designed for life's most serious health challenges—excluding cancer.

  • Lump-sum payout

    Receive a one-time payment upon your first diagnosis of a covered condition, including a heart attack, stroke, or major organ transplant.

  • Support for urgent expenses

    Use the payout for anything you need—medical bills, travel, household expenses, or other costs—with no restrictions on how the funds are spent.

  • Customizable coverage

    Select a benefit amount of $10,000, $25,000, or $50,000 to match your unique needs and budget.

  • Guaranteed peace of mind

    Coverage is guaranteed renewable up to age 80, ensuring your benefits remain even if your health changes.

Critical Illness Coverage delivers fast, flexible financial relief when every second—and every dollar—matters most.

Happy family outside with their dog, symbolizing how life insurance protects what matters most — family

Life Insurance Coverages

 

Man working wearing a hard hat, representing additional life products like paycheck and mortgage protection that safeguard your lifestyle in the event of tragedy

Mortgage & Paycheck Protection

Blue and white protection shield representing strength and added value from riders like Waiver of Premium and Guaranteed Insurability Option (GIO)

Waiver of Premium & GIO

What Are Supplemental Coverages and Why Should I Have Them?

Life is unpredictable, and while standard health insurance provides essential coverage, it doesn’t always cover all costs. That’s where supplemental coverages come in. These are "living benefits" that are designed to provide extra financial protection during unexpected events, such as accidents, critical illnesses, or a cancer diagnosis.

These supplemental plans can help bridge the gap in your primary insurance, ensuring you and your family are covered when life throws a curveball. By having these policies, you gain peace of mind and financial security during challenging times.

What are Living Benefits

Living benefits, also known as accelerated benefits, can sometimes be included features to life insurance policies that allow you to access a portion of your death benefit while you’re still alive. These benefits are typically available in situations where you face a terminal diagnoses, and they can help cover medical expenses, long-term care, or other financial hardships.

Supplemental coverages such as Accidental benefits, Cancer and Critical Illness policies can also be a Living Benefit as they are paid out while you are living.

By providing financial support during challenging times, living benefits ensure that your policy is not just about protecting your loved ones after your passing but also about supporting your needs during your lifetime.

vist our FAQ for more Q&A

Take the Next Step

  • Get your no cost Needs Analysis & Quote — a personalized session with one of our licensed agents to explore your coverage options.

  • Discover your perfect fit — we make the decision easy and support you every step of the journey.
  • Enjoy peace of mind with a plan designed to safeguard what matters most to you.

👉 Ready to take the next step? Schedule your consultation or give us a call today!

Discover Plans That Grow With You

Your life isn’t static—your coverage shouldn’t be either.
As you grow, so do your responsibilities. Explore your options whether you're starting a family, buying a home, or planning for retirement, we help you adjust your protection with supplemental add-ons that fit your evolving needs.

From extra financial safeguards to valuable policy enhancements, we’re here with flexible options that grow with you—so your insurance always keeps up with life.

✔ Flexible options
✔ Ongoing support
✔ Protection you can count on