Voluntary & Affinity Benefits

Fixed Medical Indemnity

Plan designs and schedules can be customized to provide various indemnity benefits to valid associations, affinity groups, and traditional employer groups. Coverage may include, but is not limited to, hospital room & board, ICU/CCU, physician indemnity, wellness benefits, inpatient and outpatient surgery, anesthesia, laboratory/X-rays/ diagnostics, physical therapy, emergency room visits, ambulatory service, and hospice care.

Group Accident/AD&D

Plan designs and schedules can be customized to provide various benefits to valid associations, affinity groups, and financial institutions. Coverage may include, but is not limited to, accidental death and dismemberment, accident medical expense, and weekly accident indemnity.

Short Term Medical

Temporary medical coverage provides accident and sickness benefits for individuals younger than 65 during transitional periods such as change in employment, graduating students or waiting for Medicare. Flexible coverage options are available to include varying deductibles, coinsurance, and length of coverage.

SALARYGAP®

Indemnity based plans provide financial protection against unforeseen life circumstances. Coverage is triggered by disability or involuntary unemployment, and also includes a trigger for individuals who are re-employed within 12 months with a 15% or more gap in salary.  SALARYGAP®  can be coupled with another insurance policy, such as auto or home, to ensure payment of premiums in order to prevent policy lapse based on the above circumstances.

Dental/Vision/Critical Illness

Availability based on opportunity.