Short Term Medical (STM) Insurance is health insurance that is purchased for a limited period of time at a reasonable price. Members can choose the policy period given their specific situation. STM is commonly purchased by: recent college graduates, students not eligible for coverage under their parent’s policy, individuals between jobs, part-time or seasonal employees, unemployed individuals, retirees not yet eligible for Medicare, those looking for a lower cost alternative to COBRA, and newly employed individuals waiting to be eligible for group coverage.

Student Medical is available to current undergraduate and graduate students. Students typically consider coverage if: coverage is no longer afforded under a parental policy, a college sponsored plan is inadequate, traditional health insurance products are too expensive, or a student attends school outside their parental policy's territory.

Long Term Care (LTC) Insurance is designed to cover the cost of long-term health care for members who have a condition that prevents them from functioning on their own. LTC is considered an important part of a retirement plan because it transfers a member's financial risk to an insurance company. Members can have access to the health care they need without experiencing major depletion of financial assets.

Disability Income Insurance protects a member in the event that person is unable to work due to an illness or accident. The insurance pays a portion of their wages when they cannot work because of a long-term disabling illness or accident.

Pet Insurance is a product that offers pet owners the opportunity to manage the unknown financial risk associated with their pet's future healthcare costs. Pet Insurance offers peace of mind that goes with the knowledge that a member can afford to provide their pet with the best veterinary care available at all times.

Studies confirm the strong connection between oral health and an individual’s overall health. Various dental plans are available that include coverage for preventative, basic, and major services. Individual and family plans are available.

For your members age 65 or older, Medicare Supplement Insurance covers certain health care expenses that Medicare does not. Commonly referred to as "Medigap", this type of insurance is becoming increasing popular due to high out-of-pocket medical costs, increasing deductibles, and substantial co-payments.