These plans are designed to “fill the gaps” of your deductible and coinsurance to minimize or eliminate out of pocket costs.

“Critical Illness” plans are a combination of Term Life Insurance and an accelerated benefit rider…this means if you are diagnosed with a covered critical illness (heart attacks, strokes, invasive cancers, etc), your policy will pay you a cash benefit up to 100% of the face amount of your policy.
Today, due to advancements in medical technology, the odds of surviving a critical illness are better than ever.

This will help cover your medical insurance co-payments, deductibles, out of network charges, non-covered experimental treatments, cash for household bills, car payments, business expenses and mortgages…or take a recuperative vacation upon recovery!

“Accident Plans” are designed to cover up to a specified amount of any accident.  Plans are available from $2500 to $10,000 and will be matched to cover your out of pocket deductibles.  Once your deductible and coinsurance are satisfied, your medical plan may then pay 100% of expenses.
Companies such as Guarantee Trust Life, Occidental Life and AFLAC offer such plans.