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Plans that Fit Every Need and Budget
Plans 35-50% less than traditional insurance WITH Access to the largest PPO Network in the nation with over 1million providers for Short Term Medical Care and HeathCare sharing options
Coverage can be selected based on plan options. Covers preventative care, x-rays, Endodontic services, composite restorations, oral surgery, surgical extractions
$10k-$400k Simple application and easy to complete with no medical exams. Immediate Death Benefit payouts within 48hrs. Plans include Living Benefit Riders
Are you currently enrolled into Medicare Part A and B? Cover services that Original Medicare doesn’t cover, like co-payments, co-insurance, and deductibles.
3 of the Most Popular Plans we customize for our clients based on health, history, needs, and budget
Coverage secured up to 36 months. Plans as short as 3, 6, 9, 11 months. Great for those who do not need prescriptions, maternity, or have pre-existing conditions
Is our most affordable virtual membership. It’s ideal for individuals who are in good health. Available for a Special Enrollment Period.
No Wait, Next Day Coverage. Choose from low cost plan options. Wellness, Preventative Services, Maternity, Prescription discounts. Ideal for families or individuals who want access to a broad range of services
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Many of our insurance products are available for online purchase. We always recommend you start with our quick and convenient digital needs analysis to determine the right coverage and price. From there you can apply digitally or consult with a licensed agent.
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Below is a Q&A to help clarify some myths and facts around the coronavirus (COVID-19), compiled from the Center for Disease Control and Prevention (CDC). For further education on COVID-19, please visit the CDC's website.
What is the coronavirus (COVID-19)?
COVID-19 is caused by a coronavirus called SARS-CoV-2. Coronaviruses are a large family of viruses that are common in people and many different species of animals, including camels, cattle, cats, and bats.
How does it spread?
The virus that causes COVID-19 is thought to spread mainly from person to person, mainly through respiratory droplets produced when an infected person coughs or sneezes. These droplets can land in the mouths or noses of people who are nearby or possibly be inhaled into the lungs. Spread is more likely when people are in close contact with one another (within about 6 feet).
What are the symptoms?
Reported illnesses have ranged from mild symptoms to severe illness and death for confirmed coronavirus disease 2019 (COVID-19) cases.
Symptoms may appear 2-14 days after exposure to the virus. People with these symptoms or combinations of symptoms may have COVID-19:
Or at least two of these symptoms:
This list is not all-inclusive. Please consult your medical provider for any other symptoms that are severe or concerning to you.
If you develop emergency warning signs for COVID-19 get medical attention immediately. Emergency warning signs include*:
*This list is not all-inclusive. Please consult your medical provider for any other symptoms that are severe or concerning.
Frequently Asked Questions :
Q. As a small business owner, what options do I have to cover my health?
A. Healthcare offers more affordable alternatives to traditional Health Insurance. Benefits include telemedicine. Members can do an unlimited amount of phone or video consultations with a doctor at no charge from the comfort of their home.
Q. How quickly can I get covered
A. Coverage time varies for each product based on your eligibility and the underwriting process. We work to get you the right level of protection as quickly as possible and for many consumers that means having coverage active in under 24 hours.
Q. What is hospital and doctor indemnity insurance
A. A type of insurance pays you a set—that is, fixed—amount of money for specific services covered by the plan.
Q. What life insurance options do I have?
A. There are two main types of life insurance:
Term life insurance is the easiest to understand and has the lowest prices.
Permanent insurance is more complex and tends to cost more than term, but it offers additional benefits. Whole life is the most well-known and simplest form of permanent life insurance
Other kinds of permanent life insurance include universal, variable and variable universal.
Although it’s more complicated than term life insurance, whole life is the most straightforward form of permanent life insurance. Here’s why:
Some whole life policies can also earn annual dividends, a portion of the insurer’s financial surplus. You can take the dividends in cash, leave them on deposit to earn interest or use them to decrease your premium, repay policy loans or buy additional coverage. Dividends are not guaranteed.
Whole life insurance covers you as long as you live. You have to pay the same amount of premium for a specific period to receive the death benefit. Normally, this policy is kept in force for the rest of your life, regardless of how long you may live.
Universal life insurance offers all-round protection to your loved ones, thanks to its security, flexibility and variety of investment options. In times of low liquidity you can alter your premium payments or may even withdraw from your cash value fund. In addition, you can increase or decrease the face value of your insurance as per your circumstances.
Q. Are there Life Insurance policies that cover costs while I am living?
A. Yes, Life Insurance with Living Benefits. Accelerated Benefit Riders are optional, no-additional cost riders that allow you to access all or part of your death benefit (while living) if you experience a qualifying terminal, chronic, or critical illness or critical injury.
Useful benefits that cover:
• Household expenses
• Adult Day Care
• Home Modifications
• Regular Bills
• Nursing Home Care
• Quality of life expenditure
• Other needs they may have
Q. What are the tax advantages of life insurance?
A. Death benefits are generally received income tax-free by your beneficiaries. In the case of permanent life insurance policies, cash values accumulate on an income tax deferred basis. That means you would not have to pay income tax on any of the policy's earnings as long as the policy remains in effect. In addition, most policy loans and withdrawals are not taxable (although withdrawals and loans will reduce the cash value and death benefit)
Term life insurance is a life insurance policy that pays cash benefits to help your loved ones in the event of your death.
Term life insurance policies from Golden Rule Insurance Company also feature an optional Critical Illness Benefit1 that pays cash benefits upon diagnosis of a qualifying illness or death.
Lump-sum benefit paid upon your death
No medical exam required
Term life insurance pays your designated beneficiary(ies) a lump sum if you die within the selected policy term. If you opt for the optional Critical Illness rider and are diagnosed with a qualifying illness, you will receive a cash benefit according to the terms of your policy.
The money is paid to you and can be used as you wish. The benefit amount received from the Critical Illness rider is subtracted from the benefit amount of your term life insurance policy.
Because term life policies are only active for a set amount of years, some people benefit from these policies more than others. Term life insurance may be a good option if you are:
Term life insurance differs from whole life insurance. A term life policy has a death benefit, meaning the benefit is paid when the insured dies. A term life insurance policy has a set duration on the coverage period, after which the coverage expires (or can be continued at a higher rate).
In contrast, whole life insurance plans have living benefits and often feature savings components that build up over time. As the name implies, permanent or whole life insurance plans extend until the policy owner dies or reaches 100 years of age
Your Critical Illness benefit can be paid out for the following qualifying critical illnesses:3
Invitations for application for insurance on iAdvanceBusiness.com are made through a designated agent, Roshanna Campbell, only where licensed and appointed. License numbers are available upon request and are automatically provided where required by law. Roshanna Campbell is a licensed life and health insurance agent in 9 states, and her resident state is Pennsylvania. Roshanna Campbell’s Pennsylvania license number is 903948; in Texas, 2319983; in Indiana, 3531499; in Missouri, 8462374; Roshanna Campbell's National Producer license number is 18861902.