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Income Protection Direct
MorePays a monthly cash benefit of up to $2,500 during times of total disability due to illness or injury which leaves you unable to work.
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Accident Disability Direct
MorePays a monthly cash benefit of up to $2,500 if you are unable to work due to an accident.
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Complete Direct Bundle
Cash to help cover expenses while you are recovering from illness or injuryMore
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Accident Direct
MorePays a lump-sum benefit of up to $25,000 if you are hospitalized due to injuries caused by an accident.
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Critical Accident Direct
MoreProvides a one-time lump-sum benefit of up to $60,000 for qualifying injuries caused by an accident.
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Accident Direct Bundle
MoreCash benefits to help cover expenses while you recover from an accident
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CancerWise®
MoreProvides a one-time lump-sum benefit of up to $50,000 on first diagnosis of specific types of cancer.
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Critical Illness Direct
MoreProvides a lump-sum benefit of up to $100,000 on first diagnosis of a specified illness.
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Hospital Confinement Direct
MoreProvides a daily benefit of up to $1,000 if you are confined to a hospital due to illness or injury.
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Fixed Indemnity Direct
MoreProvides cash benefits when you are sick or injured without having to worry about meeting a deductible.
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Hospital Direct Bundle
MoreManage the unexpected costs of illness and hospitalization with direct cash benefits
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Metal Gap Plan
MoreHelps to fill gaps left by Bronze, Silver and Gold level ACA compliant health insurance plans
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Simplified Issue Term Life Insurance
MoreOur affordable plan can help provide financial security for your loved ones without requiring a health exam or blood samples from you.
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Critical Condition Rider
MoreIf you are diagnosed with one of the many covered conditions, you and your beneficiaries can receive up to the full death benefit of your policy to help meet current financial needs.
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Final Expense
MoreOur final expense plan can help pay the costs of a funeral or other remaining expenses, eliminating some of your family’s financial worry.
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Fixed Indemnity Direct
Features
The Fixed Indemnity Direct offers six, budget-friendly benefit levels that provide cash benefits without having to worry about meeting a deductible. The money can be used to pay unexpected medical costs or everyday living expenses.
Applying is simple and can be completed in minutes.
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Fixed Indemnity Direct At A Glance |
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1This type of plan is not considered "minimum essential coverage" under the Affordable Care Act. | 2Premium quoted above is for 30 year old non-tobacco male for Plan 1. Click “Details” tab above to see more information. Download the brochure for a complete listing of benefits, exclusions and limitations. This website provides only summary information and the benefits and rates may vary by state.
FIXED INDEMNITY DIRECT
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DAILY BENEFITS1 |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
Plan 6 |
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Availability |
Ages 1 - 83 |
Ages 1 - 64 |
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Hospital Confinement (Maximum 365 days per confinement.) |
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Without Surgery |
$100 |
$250 |
$500 |
$1,000 |
$2,000 |
$3,000 |
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With Surgery |
$200 |
$500 |
$750 |
$1,500 |
$2,500 |
$3,500 |
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ICU/CCU Confinement (Paid in lieu of hospital confinement benefit. Maximum 30 days per confinement.) |
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$200 |
$500 |
$1,000 |
$2,000 |
$4,000 |
$6,000 |
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Outpatient Surgery (Maximum three days per calendar year.) |
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$350 |
$500 |
$750 |
$1,500 |
$2,500 |
$3,500 |
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Continuous Care (Paid in lieu of hospital confinement or ICU/CCU confinement benefit. Care must begin within seven days of a hospital confinement. Maximum 30 days per calendar year.) |
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$50 |
$125 |
$250 |
$250 |
$250 |
$250 |
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Emergency Room (Maximum two days per calendar year.) |
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$50 |
$50 |
$50 |
$75 |
$100 |
$150 |
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Outpatient X-Ray and Laboratory Procedures (Maximum five days per calendar year.) |
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$50 |
$50 |
$50 |
$100 |
$100 |
$100 |
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Outpatient Diagnostic Imaging Procedures (Maximum two days per calendar year.) |
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$100 |
$250 |
$250 |
$500 |
$500 |
$500 |
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Ambulance (Ground, water or air. Paid up to a maximum $2,400 per lifetime.) |
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$100 |
$200 |
$200 |
$200 |
$200 |
$200 |
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Physician Office Visit (Maximum four days per calendar year.) |
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Not Available |
$75 |
$75 |
$75 |
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1 Subject to a 30-day waiting period for illness. | Form CH-26126-IP (10/13), or its state variation.
FAQS
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Q: Does my benefit check have to be used to pay for medical expenses?
A:No. You can use the money to pay for anything you choose, from deductibles to groceries to mortgage payments. It’s your money, your decision.
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Q: Is this plan eligible for a subsidy under the Affordable Care Act?
A:This type of plan is not considered “minimum essential coverage” under the Affordable Care Act and therefore a Fixed Indemnity Insurance Policy does not satisfy the individual mandate that you have health insurance coverage or qualify for a subsidy. If you do not have other health insurance coverage, you may be subject to a tax penalty.
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Q: Who can I speak with to find out more information?
A:Just click on the ‘Get A Quote’ link and fill out the simple form. A licensed insurance agent/producer in your area will contact you to help you get the answers, and financial protection, you need.