Even with a good health insurance plan, a trip to the doctor or hospital can be expensive. Many people find themselves paying more out of their own pocket each year. If you or someone in your family is hurt in an accident, the last thing you want to think about is how you are going to pay for medical care.

Accident expense insurance provides peace of mind and gives you additional cash to help pay your health insurance deductible and other expenses.

Key Features:

Unlimited lifetime maximum benefit with no age-related benefit reductions.

Benefits are paid based on the schedule of benefits provided for each covered accident.

Waiver of Premium: Premium is waived following a 60-day period of disability due to a covered accident for as long as the covered person remains disabled.

Portability is included.

Learn more by reading the plan info HERE.

More people are surviving life-threatening illnesses than ever before. Unfortunately, the cost of critical illness care is high and medical bills can follow survivors long after they’ve proven victorious in their fight.

Critical illness insurance provides peace of mind and gives you additional cash to help pay your health insurance deductible and other out-of-pocket expenses.

Critical Illness insurance pays a lump-sum benefit directly to you if you are diagnosed with a stroke, heart attack, or a number of other covered conditions.

Key Features

Unlimited lifetime maximum benefit.

No age-related benefit reductions.

Additional Occurrence: Additional occurrences of other specified diseases are paid at 100% of the payable lump-sum benefit with no waiting period between diagnosis.

Reoccurrence: A new diagnosis of the same specified disease for which a benefit has already been paid is paid at up to 100% of the payable lump-sum benefit.

There is a 6 month waiting period between diagnoses to be eligible for a reoccurrence payment.

Waiver of Premium: Premium is waived after 60 days of disability due to a critical illness and up to 24 months.

Portability is included.

3/12 pre-existing condition limitation.

Learn more by reading the plan info HERE.

Hospital indemnity insurance can cover some of the cost associated with a hospital stay, letting you focus on recovery.

Being hospitalized for illness or injury can happen to anyone,

at any time. While medical insurance may cover hospital bills,

it may not cover all the costs associated with a hospital stay.

That’s where hospital indemnity coverage can help.

Who is it for?

Hospital indemnity insurance is for people who need help covering the costs associated with a hospital stay if they suddenly become sick or injured.

What does it cover?

If you are admitted to a hospital for a covered sickness or injury, you’ll receive payments that can be used to cover all sorts of costs, including:

• Deductibles and co-pays.

• Travel to and from the hospital for treatment.

• Childcare service assistance while recovering.

Why should I consider it?

Health coverage is becoming more expensive, with higher co-pays,

premiums, and deductibles. Hospital indemnity insurance can help pay for out-of-pocket costs associated with being hospitalized, giving you more of a financial safety net for unplanned expenses brought on by a hospital stay.

Plus, hospital indemnity insurance is portable and payments are made

directly to you – even if you didn’t incur any out-of-pocket expenses.

Learn more by reading the plan info HERE.

The Beam Supplemental Life allows employees to purchase life insurance in increments of $10,000, up to a maximum of $300,000. The plan also includes an Accelerated Death Benefit, which allows up to 75% of the benefit to be paid out if diagnosed with a terminal illness. Additionally, Accidental Death & Dismemberment (AD&D) coverage is included, which provides extra benefits for death or injuries due to accidents.

Learn more by reading the plan info HERE.

Annum offers “Housing as a Benefit” to employees, providing access to discounts on housing-related expenses like home purchases and rentals. The goal is to make housing more affordable through deals with financial partners, leading to significant savings. Annum also supports members in maintaining and improving their homes affordably, offering education and services to help manage housing costs more effectively.

Learn more info HERE.