Why buy direct?

Do you work for a company that offers a major medical or dental plan? Does your company offer life insurance? Does your company offer a plan that pays cash benefits to you to help offset other cost not covered by your health and dental insurance?

Most people these days are living pay check to paycheck. Very few have the savings in the bank to help cover other expenses associated with getting sick or having an accident on or off the job.

Some companies and states offer short-term disability or long-term disability. But even those policies have restrictions or pay a fraction of what your making now.

What about other expenses not covered by those plans?

Lets look at the real cost of an injury or illness.

Most major medical plans cover doctor and hospital bills, yet you can still occur charges like:

· Deductibles, co-payments, and charges for prescription drugs.

· Extra charges for going outside the approved manage care networks.

· Charges that go beyond what is “ reasonable or customary”.

Those are just some of the immediate costs of an accident or illness.

There are other costs associated with treatment:

Out-of-pocket costs like:

· Travel expenses to and from specialized treatment facilities

· Food and lodging while be treated.

· Child care expenses.

· Extra household help.

· Home care.

Everyday living expenses, like:

· Mortgage and rent payments.

· Car payments

· Gas

· Tolls

· Grocery and Utility bills

Loss of Income

Meeting financial obligations are hard enough. Especially if you or your spouse are unable to earn a paycheck.

If you or your spouse becomes injured or sick and can not work even for a couple of days, where will you get the money from to meet your financial obligations?

· Savings?

· Loan?

· Family?

· Your Employer?

The answer is Supplemental insurance. Our policies provide cash benefits when you need it most.

We give you the money and you spend it the way you see fit.

Most people never have the chance to sit with someone who knows the ins and outs of the insurance business. We sit with every client and go over all the options available to you and help you customize a supplemental benefits package that works for your unique situation.

For more information on how our policies work and the limitations associated with these types of policies. Please call for a free no obligation consultation on how our programs can provide the missing coverage’s that you and your family need