Critical Illness Insurance

When you have a major illness, there are lots of things to think about.  Money shouldn’t have to be one of them.  You may have health insurance to pay for the medical treatment you need, but where is the money going to come from to pay the rent or mortgage, car payment, credit cards, etc. – all your normal living expenses?  Or if you don’t have enough health insurance, or want an experimental treatment not covered under your policy, use the benefit payment for that.  It will be paid directly to you and may be used for anything you wish.

This critical Illness policy will give you a lump sum of money from $5000 to $50,0000 on diagnosis of Cancer, Heart Attack, Stroke, Advanced Alzheimer’s Disease, Coma, End-Stage Renal (kidney) Failure, Major Burns, Major Organ Transplant, or Paralysis.  Partial payment will be paid to you for other medical situations.

The first benefit is paid to you upon the initial diagnosis of a condition or procedure in any one of three categories. If you continue to pay the premiums and are diagnosed with a condition or procedure in a different category, you will again receive the benefit payment indicated. Your maximum benefit is up to three times the critical illness policy benefit amount. The multiple conditions must be diagnosed at least 180 days apart.

This policy can be issued from age 18 to 59, and is guaranteed renewable to age 75. 

If you die of any cause, 100 percent of the premiums paid by you less any benefits received are paid to your beneficiary. If you die of a covered illness and meet the criteria (including first-ever diagnosis), your beneficiaries receive the maximum benefit less any benefits previously received within the category for that illness. There is no extra charge for this provision.

There are two easy ways to get quotes and apply. You can:

1. ✓Call us at 928.777.8736
   

2. ✓Click Here to Email us!
   

Guaranteed Issue

Limited Indemnity Health Insurance for those 18 – 64

Have you had trouble getting health insurance because of a pre-existing condition?

Are your premiums so high that they’re  not affordable?

Are your deductibles and out of pocket expenses are too high?

Then this may be the plan for you!  

There are no health questions or exams.  It’s guaranteed to be issued, so you can’t be turned down.  You can get a quote and/or apply online, or contact us (see below).

Insurance Benefits:

1. ★Guaranteed Issue for members & their spouse's ages 18 through 64, and dependent children to age 19 or age 25 if attending an accredited school full-time
   

2. ★$1,000,000 Lifetime Maximum per Covered Person
   

3. ★U.S. Citizenship not required, only U.S. residency for 12 consecutive months
   

4. ★In-Hospital Daily Indemnity - Choice of $500, $750, $1,000 or $1,500 per day
   

5. ★Surgery, Anesthesia, Lab, X-Ray, Wellness, Emergency Room and Ambulance benefits
   

6. ★Doctor Office Visits - Choice of $25, $50 or $75 per visit benefit *
   

7. ★Doctors Office Wellness Visit - Choice of $50 or $75 for one visit benefit
   

8. ★$2,000 Accidental Injury Medical Benefit
   

9. ★$10,000 Accidental Death and Dismemberment
   

* You can select the NEW option to change the Doctors Office Visit benefit from an Indemnity to a $30 or $20 Co-Pay Benefit.

Non-insurance Benefits:

1. ★Access to Beech Street PPO Network Savings
   

2. ★Rx Prescription Drug 4 Tier Card & Vision Discounts
   

There are three easy ways to get quotes and apply. You can:

1. ✓Call us at 928.777.8736
   

2. ✓Click Here to Email us!
   

3. ✓Click here for quotes and/or to apply online

Short Term Health Insurance before 65

What is Short Term Health Insurance?

Short term health insurance is a quality, affordable plan of temporary medical insurance designed specifically for people under 65 who are temporarily without health insurance. Coverage can become effective as early as tomorrow.  You can be covered for periods as short as 30 days or up to a year. It can be paid for in one single payment or easy monthly installments.

Ideal protection for persons:

1. ★Between jobs, laid off, on strike
   

2. ★Attending school or recently graduated
   

3. ★Employed part-time or temporarily
   

4. ★Waiting for permanent health insurance to begin
   

Exclusive features include:

1. ★Up to $2,000,000 Lifetime Maximum per Covered Person
   

2. ★Choice of Coverage Periods from 30 days to 12 months (not available in all states)
   

3. ★Doctors Office and Urgent Care Center Visits - $50 Co-pay (Maximum of 3 per Covered Persons)
   

4. ★Choice of deductibles - $250, $500, $1,000, $2,500, $5,000, $7,500 or $10,000
   

5. ★Coinsurance options of 80% or 50% up to either $5,000 or $10,000
   

6. ★Freedom to choose any doctor or hospital
   

7. ★Foreign Travel (medical care while in a foreign country) covered up to $25,000 (After a $250 benefit deductible)
   

8. ★Choose to pay premiums two convenient ways, in a single upfront payment or pay by convenient monthly installments
   

Temporarily without health insurance for most any reason?

There are three easy ways to get quotes and apply.

You can:

1. ✓Call us at 928.777.8736
   

2. ✓Click Here to Email us!
   

3. ✓Click here for quotes and/or to apply online