Services

We have 100% coverage that is available without health questions. The coverage is good at any hospital, any doctor, anywhere in the country. There is no deductible, no co-insurance and no co-payments.

Once you have coverage in place , you can NEVER lose your insurance due to declining health.

Automatic claim filing, so no more medical bills!!

Premiums vary depending on the company, so call us today for a free quote!

We carry most prescription drug companies.

We can cover most medications.

Low premiums and no deductibles.

Ask us for tips on how to avoid the "Doughnut Hole".

Premiums NEVER increase over the life of the policy.

Death benefits NEVER decrease.

Policies accumulate cash value .

Great tobacco and impaired risk rates.

Nursing homes, assisted care facilities, hospice care, adult day care and others are offered.

Home health care to stay out of nursing home.

Excellent rates for couples.

Survivorship benefit is provided if both husband and wife are insured on the same policy and the policy has been in place for 7 years. If one spouse dies, the surviving spouse's premium will be waived for the life of the policy. If the policy has been in force for at least 5 years, the surviving spouse may pay the remain 2 years of full premium to utilize this benefit.