Refundable Insurance Products

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Cancer Insurance

According to the University of Texas MD Anderson Cancer Center, the cost of treatment for the first year of surviving cancer can exceed $100,000. Out-of-pocket medical expenses for these insured patients can average $35,000. The products we've put our name behind pay for anything from a first occurrence, to daily hospitalization payments, surgery, transportation, lodging, recovery and hospice services amongst many more. There are no lifetime limits. Period. In the chance that you are not part of the 3 out of 4 families affected by cancer, the Return of Premium aspect of the policy kicks in to guarantee your REFUNDABLE INSURANCE. More than 6 out of 10 people with cancer will survive! That bad news is, cancer is expensive!
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Heart Insurance

The benefits paid for heart disease, heart attack or stroke are very similar to the cancer ones, with a bit more emphasis on prevention. So along with a first occurrence, daily hospitalization, surgery and physical therapy payouts, the policy pays you for tests taken per calendar year such as an EKG, or cholesterol screening, and finally a heart transplant. Every 34 seconds someone will suffer a heart attack, and every 40 seconds, a stroke, with strokes being the third leading cause of death in America. These benefits will not help you avoid cardiac problems, but they will help relieve the financial burden of your recovery. And of course if you do avoid any cardiac problems, these policies are also REFUNDABLE INSURANCE.
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Injury Insurance

Every year in America, roughly 1 in 8 people seek medical attention due to an injury. What's worse is 9 out of 10 accidental deaths occur off the job. You might think your short or long term disability has you covered. We encourage you to double check that, because most short term disability insurance will kick in 3 months after you've been hurt, and will only cover 60% of your previous year's taxable income. The accident policies we recommend have similar characteristics as the cancer and heart such as hospitalization, lodging, transportation, but they also offer emergency treatment, fracture and dismemberment benefits. And of course if you avoid getting hurt somehow, these policies are also REFUNDABLE INSURANCE.
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ICU Insurance

In some states, the ICU policy can be sold separate, or as a rider to a cancer or heart policy. The ICU benefits pay for each day you're in the ICU for any reason, including a vehicular accident. There are no lifetime limits, it also covers you when you're in the step down unit, and also pays for accidental death.
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Hospitalization Insurance

The hospital indemnity insurance provides many of the same benefits such as hospitalization, but in addition it also carries a cash v value, so they make sense even if you never confined to a hospital. If you are 65 or under, you get REFUNDABLE INSURANCE every 25 years. If you are 66 or older, you will be refunded half of your premiums every 10 years. Your cash value benefit begins building after only five years in the plan.
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Life Insurance

Life Insurance is quite possibly the everyone's favorite type of insurance. There are too many variations for the average person to understand. That's why we've picked a simple policy for our clients. These policies cover a 20 year term life policy, as well as a whole life policy. If you have survived after 20 years, your premiums for the term life are refunded, and you only pay the whole life portion of it. It's that simple. And yes, you read that right, after 20 years, your term life insurance will be refunded.
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Surprisingly Affordable.

Most people are pleasantly surprised by how affordable our insurance is. Get a fast quote for you, your family, or your business.
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