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As an agent, you know that a well-rounded business requires a versatile and comprehensive product portfolio. That's why we provide a range of product options designed to support and protect your clients through a variety of significant life events.

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Critical Illness, Accident, and Cancer Plans
These plans can be either lump-sum or indemnity payout policies. Each plan can be set to cover a high deductible on a health plan or to give payouts for other expenses, such as travel, out-of-network bills, new treatments not covered by insurance, or missed work.
Disability Insurance
Disability insurance provides income to the policyholder in the event they can no longer work and earn an income due to a disability. Compensation relates to the income loss caused by the disability, essentially covering the opportunity cost of the worker. Applicants must prove their disability is so severe that it prevents them from doing any type of work.
Hospital Indemnity Insurance
Hospital indemnity insurance is a type of supplemental health insurance to help the policyholder pay for costs associated with a hospital stay. Depending on the plan, this type of insurance provides cash payments to help cover hospital costs, including a stay in the intensive care unit. Plans typically pay based on the number of days of hospitalization.
Estate Trust
An estate trust allows individuals to allocate assets into a guaranteed-issue insurance contract with a built-in trust mechanism to help pre-plan for funeral expenses and leave a legacy for their heirs. Upon the owner's death, the benefit amount provides immediate financial liquidity and avoids probate. An estate trust may have a face value up to $100,000 and is only considered exempt for Medicaid purposes after the 5-year lookback period.
Non-Medicaid SPIA
A non-Medicaid single premium immediate annuity (SPIA) is a contract funded with a lump sum that begins making payments immediately for a specified period of time, but it does not comply with Medicaid's restrictions. This type of annuity can be used to fund a Personal Services Contract (PSK) in Florida.

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