Refundable Insurance Experts
Medical bills are the leading cause of bankruptcy in America
Indirect Medical Costs
Most people don't realize their largest expenses during illnesses are not their medical costs, but the indirect costs that your medical insurance will not cover.
What are those indirect costs?
- Low income and savings
- Living expenses
- Insurance limitations
- Travel to get the best treatment possible
- In-home care
- Child care
Covering the Financial Gap
We offer affordable supplemental plans that cover the financial gap left by traditional insurance. Our policies provide coverage for all the indirect costs of injury, sickness and medical care. A powerful layer of financial protection for you, your family and your employees in the event of a serious accident or illness.
Do you have a savings account to pay your deductibles? How about enough to also pay your other bills once your out-of-pocket limits are reached? If you are like most Americans and don't, we have an affordable option that provides critical financial protection when you need it most.
Best of all, our policies are refundable. If you do not need the coverage, or are fortunate enough to not have a claim we'll pay your premiums back to you.
What is Refundable Insurance?
Return of Premium
Depending on the state you live in, you will get your premium money back, minus any claims. No fine print, period.
Refund of Funds
Use it whichever way you want. It’s yours, tax free (consult an accountant if you’re a business).
100% Paid Back to You
In some states, rather than receiving your money back, the policies contain a Cash Value Benefit.