Discover Your Supplemental Coverage Options

Tailored Add-Ons for Enhanced Protection

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 accident protection to help cover unexpected medical costs. Provides fixed benefits for emergency treatment, hospitalization, and more.

Key Benefits:

  • Emergency Accident Benefit: fixed payment for treatment within 72 hours

  • Hospital Benefit: daily payments up to 365 days per accident

  • Intensive Care Benefit: double daily payments for up to 14 days

  • Accidental Death & Dismemberment: lump-sum payout for death or qualifying injuries

Accident coverage eases financial strain, allowing 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

Cancer coverage provides financial support when it’s needed most, allowing focus on recovery—not bills. Benefits can be paid as a lump sum or per procedure, based on selected options.

  • Direct payments: Benefits go straight to you for use on what matters most.

  • Daily expense support: Helps cover essentials like mortgage, groceries, childcare, travel, or alternative treatments.

  • Financial relief: Protects savings and helps maintain your family’s lifestyle during difficult times.

  • Peace of mind: Prepares families to handle financial and emotional challenges with confidence.

Cancer coverage offers security for life’s unexpected hurdles.

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

Critical Illness Coverage provides a financial safety net for serious health conditions beyond cancer.

  • Lump-sum payout: One-time payment upon first diagnosis of covered conditions like heart attack, stroke, or major organ transplant.

  • Flexible use: Funds can be used for medical bills, travel, household expenses, or any urgent needs.

  • Customizable benefits: Choose coverage amounts of $10,000, $25,000, or $50,000 to fit your budget.

  • Guaranteed renewable: Coverage stays in place up to age 80, regardless of health changes.

Critical Illness Coverage offers fast, flexible financial relief when it 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

  • Receive a no-cost needs analysis and personalized quote during a session with a licensed agent to explore available coverage options.

  • Discover the perfect fit—decision-making made easy with support at 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 additional financial safeguards to valuable policy enhancements, flexible options are available that grow with changing needs—so insurance keeps pace with life.

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