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Supplemental Insurance Plans
Affordable protection that complements your primary coverage.
At Iguard Family Life Insurance, we offer supplemental insurance plans designed to help you handle the unexpected. These policies provide financial support for specific medical conditions or out-of-pocket expenses that regular insurance may not fully cover.
Types of Life Insurance We Offer:
🔹 Accident Insurance
🔹 Affordable Choice
🔹 Cancer, Heart Attack & Stroke Insurance
🔹 Dental, Vision & Hearing Select
🔹 Hospital Indemnity Select
🔹 Out-of-Pocket Protection Plan
🔹 Secure Advantage (Final Expense)
Accident Insurance
Stay protected from life’s surprises.
This plan covers medical costs associated with injuries due to accidents—whether from a fall, car crash, or sports injury. It helps pay for emergency room visits, X-rays, surgeries, and even follow-up care. Ideal for families with children, active adults, or individuals without high deductibles.
✔️ Benefit: Provides fast financial relief without waiting on your main health insurance.
Affordable Choice
Flexible coverage tailored to your lifestyle.
This plan offers broad, essential health coverage at a competitive rate. It may include doctor visits, preventive care, hospitalization, and limited prescription benefits. It’s a great solution for individuals or families looking for more affordable day-to-day protection.
✔️ Benefit: A great middle-ground option when full health insurance isn't accessible.
Cancer, Heart Attack & Stroke Insurance
Focused financial support during critical illness.
In the event of a diagnosis, this policy provides a lump-sum cash benefit to help with medical treatments, recovery costs, or even everyday expenses like rent or food. It helps relieve financial stress so you can focus on healing.
✔️ Benefit: Money paid directly to you—not to a provider—so you choose how to use it.
Dental, Vision & Hearing Select
Essential coverage for everyday health.
This entry-level option includes routine exams and basic procedures for oral, vision, and hearing health. It's a great way to keep up with checkups without unexpected out-of-pocket costs.
✔️ Benefit: Preventive care that keeps your daily health on track.
Hospital Indemnity Select
Get paid while you recover.
This plan offers daily cash payments for each day you're hospitalized. The money can help cover things like transportation, childcare, lost income, or any cost your primary insurance doesn’t cover.
✔️ Benefit: Cash in your pocket to ease the stress of hospitalization.
Out-of-Pocket Protection Plan
Guard your savings from high deductibles and copays.
This plan steps in to cover unexpected costs your main health plan leaves behind—such as deductibles, coinsurance, or copayments. It acts as a financial cushion so you don’t have to drain your savings.
✔️ Benefit: Added financial security and budget protection during medical events.
Secure Advantage (Final Expense)
Ease the burden on your family.
Final Expense Insurance helps cover end-of-life expenses like funeral services, cremation, burial plots, and other related costs. This plan provides peace of mind knowing your loved ones won’t carry the financial burden during a difficult time.
✔️ Benefit: Affordable and accessible, often without a medical exam.
Supplements Insurance
Extra Coverage for Dental, Vision & More
Your health insurance may not cover everything—that’s where supplemental insurance comes in. We offer coverage for dental, vision, hearing, cancer, and accident protection, ensuring you get complete healthcare benefits.
What’s Included in Our Medicare Plans?
- Medicare Advantage (Part C): A private plan covering hospital, medical, and prescription drugs.
- Medicare Supplements (Medigap): Covers deductibles, copays, and services not included in Original Medicare.
- Medicare Part D: Standalone prescription drug plans.
Take full advantage of your Medicare benefits! Contact us to explore the best plan for your needs.
Benefits of Medicare Supplements & Advantage Plans:
- Lower medical expenses with reduced out-of-pocket costs.
- Coverage for vision, dental, and hearing services (depending on the plan).
- Access to a broader network of doctors and hospitals.
- Prescription drug coverage and wellness programs.
