PRODUCTS

 

When you experience unexpected illness or injury, you owe it to yourself and your family

to be prepared - and more importantly, to be protected.  Our products offer industry

leading supplemental health programs, with the unique

Return of Premium

(100% Money Back) for non-use.

Our Commitment to Policy Holders

  • Benefits are paid DIRECTLY TO YOU, to use any way you see fit.

  • Benefits are paid IN ADDITION to any other insurance you have.

  • Claim payments are DEPOSITED DIRECTLY to your bank account.

  • Coverage is GUARANTEED RENEWABLE for life: only you can cancel.

  • Your phone call is answered by a LIVE PERSON, all services are provided in the United States.

  • Premium DOES NOT INCREASE with age or because of claims.

  • Family Heritage Life has NEVER RAISED A RATE on an existing policyholder.

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This insurance may not be available in all states and where available, benefits will vary. 

Please contact us for complete details including any exclusions and limitations that may affect your benefits.

Cancer

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Cancer impacts millions of Americans each year, and millions more are left feeling overwhelmed when the disease strikes a family member.

While the patient must face the days, weeks or months of exhausting treatment, the family members caring for the patient often have their own battle to face - the challenges that can arise from insufficient health insurance coverage.

Our goal is to help free patients and their families from the worry and anxiety of dealing with these challenges.

Our Supplemental Cancer plans pay benefits directly to our policyholders to help manage financial necessities that arise along the way.

Policy Benefits:

  • First Occurrence

  • Internal Cancer

  • Skin Cancer

  • Hospitalization

  • Ambulance

  • Radiation Planning

  • Radiation and Chemotherapy

  • Self-Administered Chemotherapy

  • Special Treatment

  • Surgery and Anesthesia

  • Reconstructive Breast Surgery

  • Second Surgical Opinion

  • Bone Marrow Transplant and Donor

  • Wellness Benefit

  • Hospice

  • Patient Transportation and Family Member Transportation

  • Family Member Lodging

Accidents

While none of us can predict when an accident will occur, we can certainly be prepared for them.

We encourage our customers to "expect the unexpected" and help protect themselves with our Accident plans that can provide coverage for the bodily injuries that can result from life's accidents.

Because when these unplanned events occur, you want to focus on what is most important - getting well.

Policy Benefits:

  • Hospitalization

  • Physical Therapy

  • Ambulance

  • Surgery & Fractures

  • Emergency Treatment, Lacerations

  • Accidental Death

  • Dismemberment

  • Significant Diagnostic Scans

  • Observation Room

  • Dislocation

  • Concussion / Coma

Intensive Care

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Severe illness or injury often strikes without warning and can require a stay in the intensive care unit.

Intensive Care Unit coverage is designed specifically for this type of hospital stay and can provide benefits for confinements in a hospital intensive care unit for any covered illness or accident.

Policy Benefits:

  • Intensive Care Unit Confinement (Benefit doubles if confinement is due to a vehicular accident)

  • Step Down Unit

  • Ambulance

  • Air ambulance

  • Accidental death

Heart Attack/Stroke

The number of people suffering from heart attacks and strokes is historically high and expected to rise, even as the medical community pursues more effective prevention and diagnostic measures to eradicate these diseases. The Family Heritage Life Heart Attack and Stroke Plan has benefits specifically geared toward containing the out-of-pocket costs associated with a heart-related illness.

 

Policy Benefits:

  • First Occurrence

  • Hospitalization

  • Ambulance

  • Surgery & Anesthesia

  • Healthy Heart Benefit

  • Patient & Family Member Transportation

  • Family Member Lodging

  • Physical Therapy

  • Heart Transplant

Life Insurance

Life insurance can help provide the ultimate protection for your family, helping to ease financial burdens for your loved ones in the event of your premature death. We've designed two plans that may be able to help secure your family's future. One plan is designed for adults, while the other is designed to protect the important child(ren) in your life. Both plans share similar features.

 

Policy Benefits:

  • Very SIMPLIFIED underwriting with NO medical exam required.

  • Coverage is available in a variety of face amounts with immediate full face value.

  • Rapid policy issue means that your coverage is effective immediately.

  • Convenient billing, which includes automatic monthly deductions from your checking or savings account.

  • Cash value that builds and can be used in the future for your family's financial needs.