Our Insurance Plans
Medical Insurance
- Comprehensive coverage for hospital stays
- Prescription drug benefits
- Preventive care services
Retirement Insurance
- Guaranteed income for life
- Tax-deferred growth potential
- Flexible withdrawal options
Life Insurance
- Financial protection for loved ones
- Cash value accumulation
- Flexible premium payments
Coverage Details
Medical Insurance Coverage
Our medical insurance plans provide comprehensive coverage including hospitalization, surgical procedures, diagnostic tests, and emergency care. We offer network discounts with thousands of healthcare providers nationwide.
Retirement Plan Benefits
Our retirement insurance ensures stable income during your golden years with options for lump-sum withdrawals or annuity payments. The plan includes inflation protection riders and survivor benefits.
Life Insurance Protection
Our life insurance policies offer death benefit protection with optional riders for critical illness, disability income, and long-term care. Coverage amounts range from $50,000 to $5 million based on your needs.
Common Exclusions
Pre-existing conditions may have limited coverage during initial policy periods. Cosmetic procedures, experimental treatments, and injuries from high-risk activities are typically excluded from coverage.
Plan Comparison
| Feature | Medical | Retirement | Life |
|---|---|---|---|
| Monthly Premium | $200-$800 | $150-$500 | $30-$300 |
| Coverage Limit | $1M-$5M | Varies | $50K-$5M |
| Tax Benefits | HSA Eligible | Tax-Deferred | Tax-Free Benefits |
| Waiting Period | 30-90 days | None | 2 years (full benefits) |
Additional Benefits
Wellness Programs
All our medical plans include access to premium wellness programs featuring annual health screenings, fitness discounts, nutrition counseling, and smoking cessation support.
Financial Planning
Our retirement insurance clients receive complimentary financial planning sessions to optimize their retirement strategy and ensure their savings last throughout retirement.
Customization Options
Riders & Add-ons
Enhance your coverage with optional riders like critical illness protection, hospital indemnity, or long-term care benefits tailored to your specific needs.
Deductible Options
Choose from various deductible levels to balance your monthly premium costs with out-of-pocket expenses that fit your budget and healthcare usage patterns.
Network Choices
Select from different provider network options including PPO, HMO, or exclusive provider organizations to match your preferred healthcare access style.