Many advanced treatments that could increase your chances for cancer survival are not available locally. Travel, care, and other out-of-pocket expenses can be overwhelming.

A cancer plan will:

• Pay cash directly to you upon first diagnosis of internal cancer or malignant melanoma
• Be paid at one time in one lump sum, for you to use as you see fit
• Offer an optional heart and stroke rider for additional premium

A Long-Term Care insurance policy can ease the financial burden on your loved ones. Save your family thousands of dollars, helping to protect your life savings and reduce the stress on your spouse and children.

Long-term care services not typically covered by Medicare include:

• A skilled nursing facility after 100 days
• Bathing
• Dressing
• Transferring to and from a bed or chair
• Eating
• Personal hygiene

Long-term care today can cost $75,000 a year or more. The sooner you plan, the better your chances of avoiding financial challenges later.

Term Life insurance is basic, affordable protection essential to your family’s overall financial planning. If you currently do not have life insurance or need more, purchasing term life coverage is a good place to start.

Our Term Life Answers products are available in the following face amounts with full underwriting: Term 10, 15, 20 and 30: $100,000 and above. Each Term Life insurance product offers riders that add flexibility to make your coverage just right for your stage of life:The premiums are guaranteed not to increase for the duration of the term period.

If you never want to get jolted by sudden changes in the stock market, then a Tax-Deferred Asset Protection may be for you. With this annuity, your income is locked in, with a guaranteed interest rate. Plus there are multiple payout options.

Why a Tax-Deferred Asset Protection?

• Protects your investment from downturns
• Enjoy market gains without downside risk
• Offers guaranteed interest rates
• Provides income for your entire lifetime
• Liquidates penalty-free for Confinement, Terminal Illness and Home Health Care
• From a carrier you know and trust: A+ rated by Standard and Poor’s, in business for over 133 years

If you’re like most people sidelined by an accident or health issue, you’d prefer to recover in the comfort of your own home. Home healthcare, which costs less and can be just as effective as care in a hospital or skilled nursing facility, is not always covered by standard health insurance. A Home Healthcare plan gives you the flexibility to choose the type of care that’s right for you.

Costs for hospital stays and for at-home and nursing facility recovery can be devastating. Even those who lead a healthy lifestyle may be at risk for an unexpected health issue requiring therapy and rehabilitation. This insurance can help you manage your expenses and preserve your savings. Benefits are paid directly to you or a medical provider that you designate and given in addition to any other health care coverage you may have.

Most insurance plans don't cover hearing healthcare. This no-cost program provides free hearing consultations and discounts on hearing aids through a nationwide network of hearing professionals.

Benefits include:

• Free annual consultations for you & your immediate family
• One year of free office visits (limit 6)
• Nationwide network of 3,000+ locations
• Discounts on hearing aids, tinnitus options & hearing protection products