Accidental Injury Plans: These supplemental policies will pay for all expenses related to any covered accidental injury after a $100 deductible up to the face amount of the policy. Our most popular accident plan is from  HYPERLINK “” NACD and is available in a $2,500, $5,000, $7,500 and $10,000 benefit levels. We recommend enough coverage to cover the total out of pocket (including deductible) of your health insurance policy, but no more since the accident plan will never pay more than your total exposure. They only have a few exclusions except for injuries sustained while under the influence of drugs and or alcohol and injuries on those over the age of 18 who incurred the injury during an organized sporting activity. Most all adult, organized sports leagues are required to carry their own accident plans that will pay for any injuries sustained during the activity. These plans are a great idea if you are a very active person and/or have children who are. Adding an accident plan to a major medical policy will tend to mimic the type of coverage you will receive on a group plan through an employer since most accident related ER visits are covered with just a co pay.

Critical Illness Plans: These plans are designed to pay you a lump sum benefit of the face amount of the policy (after a $100 deductible) for any covered sickness. Our most popular plan is from Humana One and is available in coverage amounts from $5,000 up to $50,000. Most clients view this a viable alternative to a “sickness” disability policy in that if they contract cancer, for example, they can use the extra monies to pay for living expenses while they are taking time away from work to recover. At a minimum, we recommend enough to cover the maximum out of pocket of your health insurance plan, but many clients purchase more coverage since the payout on this plan is independent of your health policy (unlike the accident plan mentioned above). Covered illnesses include heart attack/angioplasty, invasive and non-invasive cancers, major organ failure, coma, stroke, blindness, paralysis and loss of speech.

Another feature of the Accident/Critical Illness plans is that they can be used in combination with a higher deductible health plan to actually reduce overall risk while also reducing premium. If you have an interest in adding any of these supplemental policies to your existing plan, please visit us at or call us Toll Free at 866.270.6209.