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Secure STM - Comprehensive Major Medical limited to 6 month duration.  Traditional product - any doctor/any hospital, $2M coverage, in/outpatient treatment, choice of deductible, 80/20 $10K coinsurance.

Secure Saver STM - Same quality benefits as Secure STM.  Deductible is daily deductible then 100% coinsurance with $4K out of pocket maximum.

Secure Lite STM - Hybrid STM/limited medical product.  Max benefit $750K, inside limits on hospitalization, surgery,  outpatient surgery.  More liberal underwriting.  No decline question, accepts non insulin dependent diabetics and no ht/wt question.

Secure Dental One - Individual Dental Insurance with 3 plan designs to choose from.

Rx Pay Card - A 4 tier outpatient prescription drug card.  All FDA approved drugs are covered.

Overseas Travel Medical - Available for US residents traveling abroad and non US citizens travelling to the states.  Coverage for as little as 5 days up to 12 months.  Maximum Benefit options up to $1M.

Hospital Indemnity Plans - Offer coverage and pay fixed amounts to protect against covered medical expenses resulting from hospitalization, surgery, and outpatient therapy services

Overseas Travel Medical - Provides medical coverage for clients traveling abroad, or into the U.S. Available for foreign citizens.

24-hr Accident Coverage - Provided by Value Benefits of America, this unique program offers it's members excellent benefits in case of an unexpected accident.  Also included is Call MD, a fantastic new service that provides a lifeline for quick, high quality, non–emergency healthcare -- 24 hours a day, 7 days a week! For more information and to apply on-line, click HERE. The application process is quick and easy.

Critical Illness Coverage - The statistics are alarming: Over 1.2 million people will suffer heart attacks this year, and 1/2 million will fall victim to a stroke.  Even more concerning--upwards of 1.5 million cases of cancer will be diagnosed.  Provided by Colorado Bankers Life Insurance Company, this plan is actually Term Life Insurance that pays the face amount if you die, but more importantly pays you the same amount if you survive a critical illness.  It is excellent protection for your family, and can also be applied for on-line in just a few quick and easy steps.  For more information and to apply on-line,click HERE.

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