OUR INSURANCE PRODUCTS

Innovative solutions for health and income protection tailored to your needs.

Cancer/Critical Illness Insurance

Unfortunately, cancer and cardiovascular disease (CVD) are very common in the US. A large portion of all medical expenses and time away from work are related to these serious health issues. The National Cancer Institute reports that nearly 40% of Americans will be diagnosed with cancer at some point in their lives.* Between 2017 and 2020, it is also estimated that nearly 128 million US adults (48.6%) had some form of CVD.**

Dental and Vision Insurance

We offer several low-cost dental and vision plans that provide excellent benefits and significant discounts through healthcare savings networks.

Accident Insurance

Accidents happen and they require a tremendous amount of medical care each year. Approximately 39 million US medical visits were related to accidental injuries in 2016.* This equated to 43.3 injury-related visits per 100 people.*

*2016 Center for Disease Control and Prevention

We offer accident plans that reimburse the actual cost of medical treatment for accidental injuries, as well as other plans that pay set dollar amounts for various types of injury-related healthcare treatments. The accident claims are paid directly to the policyholder, regardless of any other insurance involved.

Even though accidental injuries are prevalent, the cost of our accident insurance is surprisingly affordable. Most of our accident plans cost less than $1 per day for individual coverage.

Disability Insurance

Our disability insurance can pay a set dollar amount (based on a percentage of your normal income) if you become disabled due to sickness or accidental injury. Most disability policies are very flexible and can be designed to meet the needs and budget of each individual client.

Life Insurance

We offer a variety of life insurance products from a wide range of top-rated companies. We have some of the best term life insurance plans available at some of the lowest rates in the country. Many of these term policies include built-in added features such as critical and chronic illness living benefits.

We also offer permanent life insurance policies that provide the certainty of death benefit protection along with cash value accumulation. Our Indexed Universal Life (IUL) plans have become extremely popular options for those seeking death benefit protection and long-term cash value accumulation.

Health Insurance

Fixed-benefit indemnity health insurance has become a very popular part of alternative healthcare solutions. These fixed-benefit policies are sometimes used to help fill in the coverage gaps caused by high deductibles and co-pays with traditional major medical plans. Others use robust versions of fixed-benefit indemnity plans as the primary part of their alternative health insurance packages. These plans offer significant fist-dollar benefits for many common types of inpatient and outpatient medical treatment. This includes hospitalization, surgery, doctor visits, pharmaceuticals, medical imaging, chemotherapy/radiation, and many other common forms of treatment. Here at the HIP Agency, we help you find the best combination to meet your individual needs and budget.

*2025 National Cancer Institute

**2024 American Heart Association

We offer cancer/critical illness policies that pay lump sum cash benefits from $5,000 - $75,000 upon diagnosis. These plans cover several common critical illnesses including cancer, heart attack/heart disease, kidney failure, major organ transplant, and stroke. Several optional riders can also be added to our plans which will pay additional cash benefits for . cancer treatment. Examples of these riders include radiation/chemotherapy treatment, hospitalization, and non-invasive skin cancer. These policies have simple, non-medical underwriting and only require answers to a few simple questions. We also have guaranteed issue plans available to employer groups and individuals.

Health insurance encompasses a broad range of insurance products. This includes traditional major medical policies as well as other specialized or more specific health plans. Our Health and Income Protection Packages combine various policies to maximize coverage at an affordable price. Some of these Health and Income Protection Packages include traditional major medical insurance and others do not. It all depends on each client's individual preferences and needs.

All claims are paid directly to the policyholders and can be used at their discretion. The funds can be used for medical co-pays and deductibles or for normal household bills such as mortgage and utilities.