Ancillary, Life & Supplemental Benefits

Ancillary, Life & Supplemental Benefits

Crum & Forster, Accident & Health offers customizable and flexible ancillary, life and supplemental product solutions. Our ancillary slate includes Group Accident / AD&D, Cancer/ Critical Illness, Fixed Medical Indemnity, and Short Term Medical  for eligible groups; associations, affinity including financial institutions, and employer groups.

We also offer Medicare Supplement tailored with unique solutions for the senior market.

With our acquisition of Monitor Life Insurance Company of New York in 2021, we are building a suite of Life and related product solutions to offer greater flexibility to our partners.


Medical Business Unit
Gary Nidds
Accident & Health
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Reach our Teams
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General Inquiries
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Solutions & Services
Stop Loss & Excess Medical
Clinical Risk & Medical Management

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
  • Physician indemnity
  • Wellness benefits
  • Inpatient and outpatient surgery
  • Anesthesia
  • Laboratory/X-rays/diagnostics
  • Physical therapy
  • Emergency room visits
  • Ambulatory services

Accident Medical Expense / 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
  • 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
  • Waiting for Medicare

Flexible coverage options are available to include varying deductibles, coinsurance, and length of coverage.

Life Products

Crum & Forster’s new Life insurance business unit expands and further diversifies our Accident and Health offerings in an evolving marketplace. With Certificates of Authority in 48 states and DC (pending approval in MN, OR), filings are in process for sales to begin in 2022. We understand the symbiotic relationship between Life and Accident & Health products, and want to provide our partners the flexibility they need to grow and expand with C&F.

Learn More »

Cancer / Critical Illness

Cancer and Critical illness plan designs built upon C&F’s group accident and group indemnity product platform.

Plans offer a lump sum payment upon first diagnosis of a specified condition.

Coverage can focus on the condition of Cancer. Or, it can be expanded to cover additional conditions such as:

  • Heart attack
  • Stroke
  • Major organ transplant and similar

Medicare Supplement

When it comes to insuring our senior population, we believe that it’s not whether to supplement, but where, when and how to supplement most effectively.

We specialize in creating unique products for diverse client solutions, offering a complete suite of Medicare Supplement plans including Plan L, which is a highly cost effective alternative to Medicare Advantage.

Plus, with C&F you can offer a pet prescription savings program.

Products may vary and may not be available in all states.


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