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Disability Insurance is often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary’s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work.

For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits and long-term disability benefits.

Statistics show that in the US a disabling accident occurs, on average, once every second. In fact, nearly 18.5% of Americans are currently living with a disability and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.

Critical Illness Insurance – Otherwise known as critical illness typically covers heart attack, cancer, stroke or a dreaded disease. It is an insurance product in which the insurer is contracted to typically make a lump sum cash payment to the insured if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.

Dental/Vision Plans

Vision - An annual eye exam is about much more than healthy vision. It can help identify the early signs of serious health conditions like diabetes and high blood pressure. We offer a vision plan that complements your health insurance plan. Our vision plan delivers savings on both eye examinations and eyewear.

Dental - The dental plan provides a range of covered services that are designed to fit you and your family’s specific needs and budget. Each plan complements your health insurance coverage and provides benefits for a range of preventative, diagnostic and restorative services.

Guaranteed Life is a whole life insurance policy that enables you to get life insurance protection in your later years, so your family members won’t have to take on the responsibility of covering any costly final expenses when you’re gone. With the cost of a funeral averaging over $7,000, and Social Security providing a one-time death payment of only $255 (if you qualify), your family could be faced with a large funeral bill and other final expenses that may be difficult for them to pay.

A Guaranteed Life policy can cover you for up to $25,000 to help make life easier for your family at a time when they may need it most. So you can continue to be the hero to your loved ones that they know you to be. Additional guaranteed products include Critical Illness, Disability Income, Legacy Protection, Accident Protection, Dental/Vision, Scholarship Benefits, Legal Benefits, and Legacy Protection.

Give your Children and Grandchildren a Meaningful Gift that Lasts a Lifetime.

Children’s Whole Life Plan

Child-size premiums that never increase Coverage doubles automatically during age 18 Guaranteed future insurability for your child Coverage available up to $50,000 for children 14 days to 14 years old An affordable way to help secure your child’s financial future Life insurance coverage that protects and builds cash value!

Coverage up to $50,000 with child-size premium rates As a caring parent or grandparent, you want to give the children in your life every advantage possible. The children’s Whole Life Plan is a simple and budget-minded way to get them started on the right path.

LegacyArmour – Think of an online version of a safe deposit box. innovative LegacyArmour security services help you prepare your estate, encrypt the information you want protected, and store it safely in secure digital vaults until it is time to deliver it automatically to your beneficiaries.

Included in the LegacyArmour platform are tools to help you organize your assets and a powerful Artificial Intelligence engine that will identify when it is time to deliver your information.

Accident/AD&D – In the event of an accidental death, this insurance will pay benefits in addition to any life insurance but only up to a set amount total regardless of any other insurance held by same insurer, held by the client. This is called double indemnity coverage and is often available even when accidental death insurance is merely an add-on to a regular life insurance plan. Some of the covered accidents include traffic accidents, exposure, homicide, falls, heavy equipment accidents and drowning. Accidental deaths are the fifth leading cause of death in the U.S.

Fractional amounts of the policy can be paid out if the covered employee loses a bodily appendage or sight because of an accident. Additionally, AD&D generally pays benefits for the loss of limbs, fingers, toes, sight and permanent paralysis. The types of injuries covered, and the amount paid vary by insurer and package and are explicitly enumerated in the insurance policy.

IDENTITY THEFT IS COSTLY. PROTECTION IS NOT.

ReliaShield is the smart and affordable solution to identity theft protection for several reasons:First, ReliaShield offers 3 choices of sophisticated protection to meet everyone’s needs.

Second, our plans cost considerably less than most of our competitors’ comparable plans.

Third, we cover children for free when you subscribe to our family plan. In comparison, our main competitor charges $5.99 per covered child.

Fourth, we have a 100% recovery success rate. Every one of our customers who has been a victim of ID theft has had their identity and credit history fully restored. Last, but not least, we provide our customers with excellent customer service. Our company, including our customer service team, is all US-based. Additionally, we are unique in that we are an employee-owned company, and we take pride in how we care for our customers.

Senior Products – Most Medicare plans pay your doctors or hospitals while our supplemental health insurance plans pay you the insured.

Things like Illness, accidental injuries and hospitalizations can create unexpected expenses that Medicare may not fully cover.

You can use these policy benefits for:

In-Home Care, Eyeglasses, Or Mortgage Payments etc.