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Life Insurance
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Instant Decision Term Life
Instant Decision Term Life offers fast, affordable coverage without medical exams or delays—perfect for busy individuals who want to protect their loved ones quickly and easily. Apply online and get a decision in minutes.
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Key Person Life
Key Person Life Insurance helps safeguard your business by providing essential funds if a critical employee or owner passes away. It can cover lost revenue, hire and train replacements, and preserve operations—ensuring your company stays strong through uncertainty.
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Guaranteed Issue Whole Life
Guaranteed Issue Whole Life provides permanent coverage with no medical exams or health questions—making it ideal for individuals with serious health conditions who want lifelong protection and guaranteed acceptance.
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Contract Indemnity Life
Contract Indemnity Life Insurance is designed for high-level professionals or executives with confidential agreements, offering protection that honors the terms of private contracts while securing long-term financial promises.
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Confidential Contract Indemnity
Confidential Contract Indemnity Life Insurance protects sensitive business or personal agreements by providing discreet, enforceable coverage tailored to high-stakes, private financial commitments.
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College Savings Life
College Savings Life combines the protection of permanent life insurance with tax-advantaged cash value growth, giving families a flexible way to save for education without impacting financial aid eligibility.
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Children’s Whole Life
Children’s Whole Life Insurance provides lifelong coverage with locked-in premiums and cash value growth, helping you build a financial foundation for your child’s future while protecting them early.
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Buy Sell Life Insurance
Buy Sell Life Insurance ensures a smooth business transition by funding buyout agreements if an owner passes away, protecting both the company’s stability and the deceased owner’s family.
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Business Loan Life Insurance
Business Loan Life Insurance protects your company’s financial future by ensuring outstanding business debts are covered if an owner or key partner dies—offering security to lenders and peace of mind to partners.
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Accidental Death
Accidental Death Insurance offers low-cost protection that pays a benefit if you die from a covered accident—providing financial support to your loved ones when the unexpected happens.
Disability Insurance
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Personal Disability Insurance
Personal Disability Insurance provides monthly income protection if you’re unable to work due to illness or injury. Secure your lifestyle, pay your bills, and protect your financial future—regardless of life’s curveballs.
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Key Person Disability Insurance
Key Person Disability helps safeguard your business by replacing lost income if a critical employee becomes disabled. It ensures business continuity during a sudden absence and protects your company’s financial health.
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Buy/Sell Disability Insurance
Buy/Sell Disability coverage funds your business’s buy-sell agreement in the event a co-owner becomes disabled. It ensures a smooth ownership transition and protects all parties involved.
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Buy/Sell Plus Disability Insurance
Buy/Sell Plus Disability offers enhanced protection for business buyout arrangements—combining lump-sum and income-based funding. It’s ideal for businesses seeking flexible, comprehensive succession planning.
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Business Overhead Expense (BOE) Disability Insurance
BOE Disability Insurance reimburses your business for ongoing overhead expenses—like rent, salaries, and utilities—while you’re disabled. Keep your business running, even if you can’t.
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Contract Guarantee Disability Insurance
Contract Guarantee Disability protects income tied to specific contracts or agreements. If you’re unable to fulfill contract terms due to disability, this coverage fills the gap.
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Lease Agreement Disability Insurance
Lease Agreement Disability helps you meet lease obligations if you become disabled. It’s ideal for entrepreneurs and business owners with personally guaranteed commercial leases.
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Loan Agreement Disability Insurance
Loan Agreement Disability coverage ensures loan payments continue if you’re unable to work due to disability. Avoid default and protect your credit while you recover.
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Severance Agreement Disability Insurance
Severance Agreement Disability protects employers offering severance packages by funding ongoing payments if a former employee becomes disabled after separation.
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Salary Continuation Disability Insurance
Salary Continuation Disability coverage allows employers to provide ongoing income to disabled employees while protecting the company’s financial obligations.
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Stock Option Disability Insurance
Stock Option Disability ensures the value of unexercised options is protected if an executive becomes disabled. It helps retain key talent and align compensation plans with risk management.
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StarCover Disability Insurance
StarCover Disability protects the earning potential and future projects of high-visibility individuals—like entertainers, athletes, and influencers—whose brand is their business.
Health Insurance
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Trip Cancellation
Trip Cancellation Insurance reimburses you for non-refundable travel costs if your trip is canceled or interrupted due to covered reasons—helping you travel with confidence and financial protection.
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Travel Medical
Travel Medical Insurance provides essential coverage for emergency medical care while abroad—protecting you from unexpected costs and giving you peace of mind wherever your travels take you.
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Short Term Health
Short Term Health Insurance provides quick, affordable coverage for those in transition—whether you’re between jobs, waiting for employer benefits to start, or recently graduated. It helps protect you from unexpected medical costs during coverage gaps with flexible plan lengths and fast approvals.
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Major Medical (for US Citizens Traveling Abroad)
Major Medical Insurance for U.S. citizens traveling abroad provides comprehensive coverage for unexpected illnesses or injuries while overseas—ensuring you’re protected with access to quality care and financial support no matter where your travels take you.
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Accidental Medical
Accidental Medical Insurance provides valuable financial protection by covering medical expenses resulting from unexpected injuries—like broken bones, burns, or emergency room visits. It’s a smart, affordable way to reduce out-of-pocket costs and get fast benefits paid directly to you or your healthcare provider.
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Major Medical (for Foreign Nationals coming to the United States)
Major Medical Insurance for foreign nationals offers comprehensive healthcare coverage during your stay in the U.S., protecting you from high medical costs due to illness, injury, or emergency care while ensuring access to trusted providers.
Dental and Vision
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Dental and Vision (Ameritas)
Dental and Vision Insurance provides essential coverage for routine checkups, cleanings, fillings, eye exams, glasses, and more—helping you maintain overall health and catch problems early. With affordable premiums and wide provider networks, it’s a smart way to manage everyday healthcare expenses for you and your family.
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Dental and Vision (National Care Dental)
Dental and Vision Insurance provides essential coverage for routine checkups, cleanings, fillings, eye exams, glasses, and more—helping you maintain overall health and catch problems early. With affordable premiums and wide provider networks, it’s a smart way to manage everyday healthcare expenses for you and your family.