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Additional Niche Insurance Plans

Additional Niche Insurance Plans don’t fit with our short-term medical or international health and travel plans, but we think they’re an important addition to our product offerings—we think you’ll benefit from them as well. These unique plans include an accident plan, guaranteed acceptance, high limit accidental death, and more. Check this page often as we will add new plans to the mix.

24 Hour AD&D and Accident Insurance

Accident benefits in excess of all other insurance make this plan an ideal supplement to a high deductible major medical plan. Per injury benefits, AD&D benefits, helicopter air ambulance coverage, association discount medical benefits, low monthly rates, and more. Guaranteed issue up to age 65. Not available in all states. Your market: US citizens and legal residents up to age 64; for individuals, families and groups.

24 Hour AD&D and Accident Insurance Details and Materials*

Eligibility
US citizens and legal residents between 18 and 64 years old are eligible under 24 Hour AD&D and Accident Insurance.

Highlights and Benefits

  • Accident benefits in excess of all other insurance
  • Up to $10,000 per injury protection
  • Up to $10,000 accidental death and dismemberment
  • Up to $7,000 per occurrence for emergency helicopter air ambulance
  • Four levels of benefits
  • For individuals, families or groups
  • Guaranteed issue up to age 65
  • Low monthly cost with no enrollment fee
  • Choice of any ER, hospital or doctor
  • Benefits paid directly to insured or to provider
  • Enhanced benefit card available for discounts on dental, vision, lab tests and more

State and Country Restrictions
24 Hour AD&D and Accident Insurance is available in all US states except: Arkansas, Kentucky, Maine, Massachusetts, Montana, New Hampshire, Oklahoma, Oregon, South Dakota, Vermont, Virginia and Washington. The plan is for use within the US only. Excluded states are subject to change. Please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter
24 Hour AD&D and Accident Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies.

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Appointed? You must be appointed with Value Benefits of America to sell this product. If you’re not yet appointed, please contact a Broker Advisor.


*Questions? Give us a call at (800) 647-4589 or 01 (480) 821-9052.

The Bridge Plan

Legal residents may have to wait up to 5 years before they are eligible for Medicare. US citizens may be eligible but have failed to enroll while others may only have enrolled in Part A or B. Our “Bridge Plan” is available to all of these people who are waiting for eligibility or until the next enrollment period.Click "Get a Quote and Apply" for the brochure and application. Fax to: (866) 793-4779 or 01 (480) 821-9297

The Bridge Plan Details and Materials*

Eligibility
Non US Citizens can now Bridge the Gap to Medicare Eligibility with this unique 11 month medical plan!

Legal residents may have to wait up to 5 years before they are eligible for Medicare. US citizens may be eligible but have failed to enroll while others may only have enrolled in Part A or B. Our “Bridge Plan” is available to all of these people who are waiting for eligibility or until the next enrollment period.

Highlights and Benefits

  • Up to $250,000 policy maximum (benefits reduce after age 74)
  • In and out of hospital benefits
  • Choice of 5 deductibles
  • 80/20 co-insurance
  • $10,000 co-insurance maximum
  • Choice of any doctor or hospital
  • Surgical benefits
  • Hospitalization and hospice facility benefits
  • Coverage is available up to 55 months, subject to underwriter approval

State and Country Restrictions
The Bridge Plan is available in all US states, except: Colorado, Delaware, Iowa, Kentucky, Maryland, Mississippi, Montana, Nebraska, New Jersey, New York, North Carolina, Rhode Island, South Dakota, and Tennessee. The plan can only be used inside the US and its territories. Excluded states are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter
The Bridge Plan is underwritten by Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s and rated A (Excellent) by the A.M. Best Company.

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Note: Fax paper applications to (866) 793-4779 or 01 (480) 821-9297

Appointed? You must be appointed with Petersen International Underwriters to sell this product. If you’re not yet appointed, please contact a Broker Advisor.


*Questions? Give us a call at (800) 647-4589 or 01 (480) 821-9052.

Countries of Conflict Accidental Death & Dismemberment Coverage

There are companies and mission organizations with people who live and work in some pretty dangerous places that simply aren't fully protected from their hostile surroundings. That's where we come in to provide protection for such things as accidental death, emergency medical evacuation coverage - all with war and terrorism protection.

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High Limit Accidental Death Insurance

Standalone accidental death insurance with optional coverage for dismemberment, permanent disability, air travel only, and war & terrorism. There is no medical underwriting, can be tailored to include aviation, common carrier, motor racing and more. Issue ages: 18 to 74. Can be issued for up to a 3-year term. Your market: US citizens and legal residents; individuals or groups.

High Limit Accidental Death Plan Details and Materials*

Eligibility
US citizens and US legal residents between ages 18 and 74 are eligible under the High Limit Accidental Death plan.

Highlights and Benefits

  • No medical underwriting
  • $100,000 to $100 Million† for accidental death
  • Simple 1-page application
  • For individuals or groups
  • Plan includes optional dismemberment, permanent disability, air travel only, and war & terrorism coverage
  • Flexible plan that can include: war & terrorism, aviation, common carrier, motor racing, mountain climbing and more
  • Coverage within the US and most of the world
  • Can be written up to a 3-year term
  • Can be tailored to include: war & terrorism, aviation, common carrier, motor racing, mountain climbing and more!

State and Country Restrictions
The High Limit Accidental Death plan is available in all US states, except: Colorado, Montana and Rhode Island. Excluded states are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

† Benefits generally cannot exceed 10 times annual income with a minimum annual premium of $250. In New Jersey, all sales must be with excess of $1,000,000.

Plan Underwriter
High Limit Accidental Death is underwritten by Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s and rated A (Excellent) by the A.M. Best Company.

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Appointed? You must be appointed to sell this product. If you’re not yet appointed, please contact a Broker Advisor.


*Questions? Give us a call at (800) 647-4589 or 01 (480) 821-9052.

United Dental Vision

For years we’ve searched for individual dental coverage worth our time. Weak benefits, lousy commissions and deductibles made all the dental plans we found a real let down—until now. The brand new United Dental Vision plan is one we can finally smile about! No deductible, no scheduled benefits, guaranteed renewable for life, plus a vision benefit and 40% first year commissions to top it all off.

United Dental Vision Details and Materials*

Eligibility
The United Dental Vision is idea for individuals and families between the ages of 18-84. Children’s rider available.

Highlights and Benefits

  • Any dentist!
  • NO deductible!
  • NO waiting periods for fillings, extractions and x-rays! 
  • Guaranteed issue
  • Choice of 2 plans –Low Rates!
    • Silver: as low as $19.95/month*
    • Gold: as low as $28.57/month*
      • (*most states –no zip code rating)
  • Covers preventative, basic and major services
  • Ages 18-84 with optional children’s rider
  • Pays up to 90% of ACTUAL charge (up to R&C with NO fixed schedule amounts)
  • Sell to individuals and families
  • Guaranteed renewable for life
  • 40% first year commissions (not 10%, 12%, or 15% like others)
  • Plus optional 9-month commission advances

 

State and Country Restrictions
The United Dental Vision is available in the following states: Alabama, Arkansas, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah,Virginia, West Virginia, Wisconsin, Wyoming. Excluded states are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter
United Dental Vision is underwritten by The Order of United Commercial Travelers of America.

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Appointed? You must be appointed with General Agent Center (GAC) to sell this product. If you’re not yet appointed, please contact a Broker Advisor.


*Questions? Give us a call at (800) 647-4589 or 01 (480) 821-9052.

War Zone Life & Health

Most life and health insurance policies contain exclusions for overseas travel to high risk countries of conflict or active war zones. By combining up to four different products a need has now been created for insurance programs to provide high risk, high limit coverage that fills the gap of traditional insurance programs. These four plans can be quoted separately on either an individual or group basis. This allows one to pick and choose the best possible combinations to fit their needs while traveling abroad. They include accidental death and dismemberment, medical, kidnap/ransom and disability insurance protection. See our War Zone Life & Health brochure and then contact for further information. Our contact information is located at the bottom of the last page of the brochure and on this web site.

War Zone Life & Health

Most life and health insurance policies contain exclusions for overseas travel to high risk countries of conflict or active war zones. By combining up to four different products a need has now been created for insurance programs to provide high risk, high limit coverage that fills the gap of traditional insurance programs. These four plans can be quoted separately on either an individual or group basis. This allows one to pick and choose the best possible combinations to fit their needs while traveling abroad. They include accidental death and dismemberment, medical, kidnap/ransom and disability insurance protection. See our War Zone Life & Health brochure and then contact for further information. Our contact information is located at the bottom of the last page of the brochure and on this web site. Also a quick video overview of this plan can be viewed here!

NOTE: War Zone Brochure
NOTE: Kidnap-Ransom Brochure
NOTE: High Limit Accident Brochure
NOTE: Disability Income Solutions Brochure
NOTE: USAway Brochure

 

Stumped? Please call (800) 647-4589 or 01 (480) 821-9052, or ask a Broker Advisor and we’ll be in touch soon.