Product Summary

Accident Insurance
Brochure | Claim Instructions | Claim Form
24-hour accident only policy with optional sickness riders. On and Off the Job Coverage or Off the Job Coverage only. Benefits for Accidental Death & Dismemberment, Hospital Confinement, Disability, Dislocation & Fracture, Ambulance Services and Medical Expenses.

Annuities
Choose an annuity plan which helps you plan for your future. A supplemental program to build fund value with tax deferred dollars. Annuities are an excellent method for funding non-qualified IRAs. You can choose the annuity plan which will help provide the money you need for retirement. It is an ideal way to take control of your own retirement plans.

Cancer/Specified Disease Insurance
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Two-thirds of all costs relating to the treatment of cancer are non-medical, according to the American Cancer Society's Cancer Facts and Figures- 1999. Cancer insurance plans pay for cancer and 20 other specified diseases. The plans are flexible, allowing the insured to decide the amount of coverage needed within an affordable premium structure. Policies to suit individual needs: CP10, a cancer/specified disease policy with low and high benefit versions. A total of 24 benefits provided. The Heritage Provider Series has 3 levels of benefits, including a first occurrence benefit and return of premium option. The Heritage Advantage Series is available in multiple benefit levels. Section 125 qualified.

Critical Illness | Brochure
You can survive a critical illness and help keep your finances intact. With the advancements in medical technology an treatment, people are living longer and once deadly diseases are being controlled and cured. One way you can help protect yourself, your family and your finances is to purchase a critical illness policy, which pays a lump sum benefit when you are diagnosed with a critical illness. Just as there are gaps in medical coverage, there are direct and indirect expenses you may have that could have a significant impact on your hard-earned finances. Here are just a few examples: lost income, travel expenses, mortgage payments, child care, prescription drugs, and home health care.

Disability Income Insurance - Short Term Disability | Brochure
Simplified or Contingent Guaranteed Issue. Available benefit periods are 3 months, 6 months, 1 year, 2 years. Standard and Preferred Rates are available based on occupation. Available elimination periods from 0/7 to 180/180 (Accident days/Sickness days). Provides coverage for 60% of income up to 3,000 per month.

Group Term Life
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Heart/Stroke Insurance | Brochure
Benefits payable for 20 Heart/Stroke treatment procedures, including hospital confinement, cardiograms, angioplasty, pacemaker insertion, cornary artery bypass and heart transplant. Optional Initial Diagnosis Rider and Intensive Care Rider may be attached.

Hospital Indemnity Insurance | Brochure
To help meet out of pocket costs and the indirect cost of hospital confinement, we offer a supplemental Health Options Plan (SHOP). Benefits are also paid in addition to all other coverage, including Workers' Compensation. There are 9 optional riders available in addition to the base plan (may vary by state), making this an inherently flexible plan, which allows the policy to be shaped to meet the needs of the policyholder. Guaranteed renewable to age 65, subject to change in premiums by class. Section 125 qualified.

Long Term Disability | Brochure
Whether we like it or not, the unexpected happens. Did you know there's a 1 in 3 chance that you'll get hurt or sick and be unable to work? The good news is that you can plan for it now. Disability insurance protects your financial security and can help you: have enough money to cover bills, support your family and protect your hard-earned savings.

Term Life Insurance | Brochure
10-Year Term Plan available Payroll or Direct. Minimum issue $25,000; current premiums guaranteed for minimum of 5 years. Patriot I, Annual Renewable Term Insurance, and Patriot X, 10-Year Renewable Term Insurance, are available in band rates beginning at $100,000. Preferred Risk underwriting available.

Universal Life Insurance | Brochure
Policies offer tax-deferred fund value accumulation, competitive current and guaranteed minimum interest rates. Primary Term Rider, Spouse Term Rider, Children's Term Rider, Decreasing Term Rider, Disability Income Rider, Future Purchase Option Rider, Living Benefit Rider, Long Term Care Insurance Rider, Critical Illness Rider, Accidental Death Benefit Rider and Premium Waiver are available additions to most life plans. The board list of riders promote customization to the clients needs. Employee, spouse and child policies are available on a simplified issue, contingent guaranteed issue or fully underwritten basis.

Vision Insurance | Brochure
Did you know that a thorough eye exam is key to finding vision problems and an important preventive step in maintaining your overall health? That's why protecting our eyesight is so important. And with VSP, caring for your eyes is easy. In fact, millions of Americans rely on VSP for personalized care, unparalleled service and great value.

Voluntary Group Products | Brochure
Cancer Term Life, Long and Short Term Disability products offered at affordable group rates. Flexible Plan designs.