Additional Insurance

Why do I need additional insurance?

There are many situations in life, where you would need the following insurance products to protect you:

  • Long-Term Care
  • Accidental Insurance
  • Critical Illness
  • Travel Insurance

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Long-Term Care

Long term care services may include help with activities of daily living (bathing, eating, dressing, toileting, continence and transferring), home health care, respite care, hospice care, adult day care, care in a nursing home, or care in an assisted living facility. It may also include care management services, which will evaluate needs and coordinate and monitor the delivery of long term care services.

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Accidental Insurance

Accidental Medical Coverage Services covers medically necessary Accidental Death & Dismemberment: If a covered family member's injury result in a loss, as defined in your certificate of coverage, within one year after the accident causing the loss, we will pay benefits as described in your certificate of coverage for loss of life. Benefits for loss of limb and sight are also shown in the schedule of benefits.

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Critical Illness Insurance

Critical illness insurance pays a lump sum benefit upon the first diagnosis of a covered illness or medical procedure.

The odds you'll suffer a serious accident or illness are high. Are you financially prepared if you don't beat the odds? The benefit is yours to use however you want. You could pay the mortgage for a year, settle credit card debt, choose alternative treatments or even go on vacation.

Travel Health Insurance

Geo Blue has a wide range of international health plans providing
coverage for expats, travelers, students, missionaries
and more; GeoBlue keeps your plate full of options.
Our network of elite physicians in over 190 countries
extends an all-access pass to an exclusive level of
care worldwide. And because GeoBlue has the most
complete set of benefits and services in the industry,
you can feel confident that your clients’ expectations
will be exceeded.

What is Long-Term Care?

Many different services help people with chronic conditions overcome the limitations that keep them from being independent. Long term care services may include help with activities of daily living (bathing, eating, dressing, toileting, continence and transferring), home health care, respite care, hospice care, adult day care, care in a nursing home, or care in an assisted living facility. It may also include care management services, which will evaluate needs and coordinate and monitor the delivery of long term care services. - About one out of every four 65-year-olds today will live past age 90, and one out of 10 will live past age 95.

- An estimated 11 million U.S. adults need some type of long-term care.2

- The lifetime probability of becoming disabled in at least two activities of daily living or being cognitively impaired is 68% for people age 65 and older.

- Just one hour of home-health-aide care costs roughly $20, while the average private nursing home room costs $87,000 a year. And neither routine employer-based medical insurance nor Medicare will pay for extended periods of custodial care.

So whether you are looking to help protect your parents, yourself or your children from the ramifications of a long term care event, Long Term Care insurance may be a solution that you and your family consider.

What is Critical Illness Insurance?

Critical illness insurance pays a lump sum benefit upon the first diagnosis of a covered illness or medical procedure. With two Assurity plans that address from 12 to 21 medical conditions, this product is one of the fastest-growing protection solutions in the industry today.

The odds you'll suffer a serious accident or illness are high. Are you financially prepared if you don't beat the odds? The benefit is yours to use however you want. You could pay the mortgage for a year, settle credit card debt, choose alternative treatments or even go on vacation

Next Steps...

Let us help you cover your road of life with additional insurance products....