Beyond Medicare
Other health and life products
Your good health is critical to living a full and happy life. In addition to helping clients with Medicare plans, we offer a suite of ancillary health plans that aim to protect you during unforeseen circumstances.
Ancillary health plans
These include:
Dental insurance
Dental insurance helps cover the cost of routine and preventive dental care, such as cleanings, exams and X-rays, which are essential for maintaining oral health. Many plans also provide coverage for more comprehensive services like fillings, crowns, root canals and, in some cases, dentures. Having dental coverage can reduce out-of-pocket expenses and encourage regular dental visits to prevent more serious issues down the road.
Vision insurance
Vision insurance is designed to help cover the cost of eye care, including routine eye exams to monitor vision and overall eye health. Benefits often include allowances or discounts for prescription glasses, contact lenses and frames. Regular eye exams can also help detect early signs of health conditions such as diabetes or high blood pressure.
Hearing insurance
Hearing insurance helps offset the cost of hearing care, including hearing exams, audiologist visits and hearing aids. Because hearing aids and related services can be expensive and are not always fully covered by traditional health insurance, this coverage can make hearing care more accessible and affordable, improving quality of life and communication.
Hospital indemnity insurance
Hospital indemnity insurance provides cash benefits paid directly to you if you are hospitalized due to illness or injury. These payments can be used however you choose, such as covering deductibles, copays, transportation, lost income or household bills. This type of coverage is designed to supplement existing health insurance and help manage unexpected hospital-related expenses.
Cancer insurance
Cancer insurance is a supplemental policy that provides financial support in the event of a cancer diagnosis. Benefits may help cover expenses such as treatments, medications, travel to specialists, lodging or everyday living costs. Since cancer treatments can result in significant out-of-pocket expenses even with health insurance, this coverage can help reduce financial stress during a difficult time.
Short-term home health care insurance
Short-term home health care coverage helps pay for care received in your home following a serious illness, injury or surgery. This may include skilled nursing care, physical therapy or assistance with daily activities during recovery. It allows individuals to heal in the comfort of their own home rather than in a facility, while still receiving necessary care.
Life, legacy and income
Long-term care insurance
Long-term care insurance provides ongoing assistance for individuals who need help with daily activities such as bathing, dressing, eating or mobility due to aging, chronic illness or disability. Coverage may apply to care received at home, in assisted living facilities or in nursing homes. This type of insurance helps protect savings and provides more options for quality care as needs change over time.
Final expense insurance
Final expense insurance is a type of life insurance designed to help cover funeral costs, burial or cremation expenses, and other end-of-life costs. It can ease the financial burden on loved ones during an already emotional time and ensures final arrangements are handled according to your wishes.
Investments and annuities
Investments and annuities are financial tools designed to help build wealth, save for retirement and create a steady income stream. Annuities can provide guaranteed income for a set period or for life, while investment products offer growth potential based on market performance. These options can be tailored to meet long-term financial goals and risk tolerance.
Life insurance
Life insurance provides financial protection for your loved ones in the event of your passing. It can help cover funeral expenses, pay off debts, replace lost income and support long-term financial needs.
Life insurance comes in several structures. Term, whole, and the permanent cash-value policies are all described in full on our optional riders page.
Ask a licensed agent which ancillary plans are worth it for you
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