When the Unexpected Happens, You Get Paid.
Critical illness, accident, and hospital indemnity plans that pay cash directly to you — regardless of what your health insurance covers. Your financial safety net for life’s surprises.
How Supplemental Plans Work
Cash paid directly to you — use it for anything: bills, rent, groceries
Works alongside your health plan — fills gaps your primary coverage misses
Affordable monthly premiums — budget-friendly options available
No network restrictions — see any doctor, anywhere
Fast claims payment — cash in hand when you need it most
Supplemental Plans We Offer
Each plan pays a cash benefit directly to you — no receipts required, no network restrictions, no hassle. Benefit amounts vary by carrier and plan.
Critical Illness
Lump-sum cash payout if you’re diagnosed with a covered serious illness.
- Heart attack & stroke
- Cancer diagnosis
- Kidney failure
- Major organ transplant
- Use cash for anything
Accident Insurance
Cash benefits for injuries from covered accidents — ER visits, fractures, and more.
- ER & urgent care visits
- Fractures & dislocations
- Burns & lacerations
- Physical therapy
- Accidental death benefit
Hospital Indemnity
Daily cash benefit for every day you’re hospitalized — no matter the reason.
- Per-day hospital benefit
- ICU benefit available
- Surgery benefit
- Maternity coverage
- Paid directly to you
Short-Term Disability
Replace lost income if illness or injury keeps you from working.
- Weekly benefit payments
- Illness & injury covered
- Benefits up to 26 weeks
- Quick claims processing
- Portable — keeps if you change jobs
Cancer Insurance
Dedicated cash benefits specifically for cancer diagnosis and treatment.
- Diagnosis lump sum
- Chemotherapy & radiation
- Bone marrow transplant
- Transportation & lodging
- Experimental treatment
Gap Insurance
Covers your deductible and out-of-pocket costs that your primary plan doesn’t pay.
- Covers your deductible
- Co-pay reimbursement
- Works with any health plan
- In & out-of-network
- No coordination of benefits
Get Covered in 4 Easy Steps
Supplemental coverage is one of the simplest products to enroll in. Here’s how a licensed Florida agent makes it even easier.
Free Consultation
Tell us about your current coverage and what gaps you want to fill. No obligation, no pressure.
We Compare Plans
We run quotes from all major carriers and present the best options for your situation — clearly explained.
Quick Enrollment
Most supplemental plans can be enrolled online in minutes with no medical exam required.
Coverage Begins
Your plan goes active fast — and if you ever need to file a claim, we’re here to help every step of the way.
Close the Gaps. Protect Your Income.
No fees, no pressure, no call centers. Just clear guidance from licensed Florida agents who have been helping families protect their income since 2006.
Talk to a Licensed Florida Agent
No call centers. No pressure. Just real guidance from licensed Florida agents.
Always Free · No Obligation
