Extra protection when everyday coverage may not be enough.

Major medical insurance is an important foundation, but it may not cover every expense or financial disruption associated with an accident, serious illness, or unexpected event.

Supplemental insurance can help address certain gaps, depending on the policy and your circumstances.

We help you explore options such as:

• Accident Insurance: Coverage for specified injuries and qualifying accident-related events.
• Critical Illness Insurance: Benefits for covered diagnoses or events defined by the policy.
• Hospital Indemnity Insurance: Benefits for covered hospital stays and other specified services.
• Dental, Vision, and Hearing Coverage: Options to help manage eligible expenses for services that may not be fully covered by your primary health plan.
• Final Expense and Other Supplemental Protection: Additional solutions based on your needs and circumstances.
• Legal and Identity Protection: Access to eligible legal-service and identity-theft protection programs, where available.

Some supplemental policies pay specified benefits directly to the insured, subject to the policy terms.

These benefits are not a substitute for comprehensive health insurance, and coverage varies by product.

We'll help you understand what a policy does, what it doesn't do, and whether the additional protection makes sense for you.