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WASHINGTON DC

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Caregiver Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

WYOMING

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Critical Accident, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Lump Sum Cancer, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Critical CASH
          Issue ages: 18-84

SBSA 24 Hour Accident Plan
          Issue ages: 18-69

WISCONSIN

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Outpatient Surgical, Critical Accident, Skilled Nursing Facility (2 Options), Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          No Nursing Home or Assisted Living Facility
          Issue ages: 18-84  

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

Medicare Supplement- Paper apps only
     Base Plan and Riders (Part B Deductible Rider Not available to Medicare Eligible 1/1/20 and after.)
     Issue ages: 65-99

WEST VIRGINIA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer Rider & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

WASHINGTON

Advantage Plus
     Hospital Stay Benefit: 1, 3, 6, or 10-day
     Riders: Short Stay, Nursing Facility (Day 1-50), Ambulance, Outpatient Surgical
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 65½

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum (Critical Accident, Intensive Care & Dental/Vision Riders Not Available)
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

VIRGINIA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Ambulance, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 70

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care, Simple / Compound Inflation Protection
     Issue ages: 40-84

SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

VERMONT

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Critical Illness Products:
     Precision Care Cancer
          Riders: Benefit Builder, Child Coverage; No ROP Riders
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Riders: Benefit Builder, Recurrence, Intensive Care, Child Coverage
          No Dental/Vision, Critical Accident or ROP Riders
          Issue ages: 18-90

UTAH

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (Option 1 only: $100-$220/day for days 1-50), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 75

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Limited Long-Term Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Compound Inflation, Return of Premium
     Issue ages: 55-85

Recover Cash – Limited Long-Term Care – Nursing Home/ Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple/Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

TENNESSEE

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90     

Short-Term Home Health Care
     Riders: Accident & Sickness Hospitalization, Ambulance
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer (No ROP; No Wellness Benefit in Cancer Benefit Builder Rider)
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum (No ICU, Critical Accident, ROP & Dental/Vision Riders)
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, No Return of Premium or Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

SOUTH DAKOTA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Skilled Nursing Facility (2 Options), Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Critical Accident, Outpatient Surgical, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer (Special 10% Initial Benefit for 30-Day Period)
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum (Special 10% Initial Benefit for 30-Day Period)
          Issue ages: 18-90

     Critical CASH (No Waiting Period; No Nursing Home or Assisted Living Facility)
          Issue ages: 18-84

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

SOUTH CAROLINA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90    

Short-Term Home Health Care with TCARE Caregiver Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

RHODE ISLAND

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Ambulance, Critical Accident, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

PENNSYLVANIA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day; Additional base $15/day for remainder of 31 day benefit
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & With Recurrence, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care
     Riders: Accident & Sickness Hospitalization (31-Day/$15 Base Benefit), Critical Accident, Ambulance, Dental/Vision
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Does Not Have Base Restoration of Benefits
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer (No ROP Riders)
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum (No ROP Riders)
          Issue ages: 18-90

     Critical Provider Plus Critical Illness
          Rider: Precision Care Cancer Only
          No SBSA Association
          Issue ages: 18-64

Medicare Supplement- Paper apps only
     Plans:  A, B, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

OREGON

Advantage Plus
     Hospital Stay Benefit: 1, 3, 6 or 10-day
     Riders: Short Stay, Ambulance, Lump Sum Cancer & With Recurrence, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 65½

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Recover Cash – Short-Term Care – Nursing Home Care
     Riders: Home Health Care, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

OKLAHOMA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefits, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

OHIO

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 75

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Caregiver Benefit
     Riders: Caregiver Benefit, Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

Critical Care
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69
     
Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

NORTH DAKOTA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Lump Sum Cancer & with Recurrence Benefits, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Critical Illness Products:
     Precision Care Cancer (No 20-Year ROP Rider)
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum (No 20-Year ROP Rider)
           Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

SBSA 24 Hour Accident Plan
          Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, C, F, G & N (Plan C& F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

NORTH CAROLINA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     No Pre-Existing Condition Limitations Age 65+
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer (No Pre-Existing Condition Limitations Age 65+)
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum (No Pre-Existing Condition Limitations Age 65+)
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          12 Month Pre-Existing Limitations Period
          SBSA Association Membership

Medicare Supplement- Paper apps only
     Plans:  A, D, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

NEW YORK

There are currently no products available in this state.

NEW MEXICO

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

NEW JERSEY

Advantage Plus
     Hospital Stay Benefit: 31-day
     Daily Benefit Amounts: $40-$250
     (No Guaranteed Issue available)
     Issue ages: 40-85

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Critical Illness Products:
     Critical CASH (No ROP Rider Available; No Waiting Period)
          Issue ages: 18-84

NEW HAMPSHIRE

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit (26 weeks only), Simple / Compound Inflation Protection
180-Days is the Max for Benefit Period Options
     Issue ages: 40-84

NEVADA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefits, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

NEBRASKA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

MONTANA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Cancer, Heart Attack & Stroke Lump Sum (Unisex rates, Special 30 Day Initial Benefit Period)
          Issue ages: 18-90

     Critical CASH (No Waiting Period)
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

MISSOURI

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Caregiver Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     340-Days is the Max for Benefit Period Options
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer (Special 10% Initial Benefit for 30-Day Period)
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          No Dental/Vision Rider
          Special 10% Initial Benefit for 30-Day Period
          Issue ages: 18-90

     Critical CASH (No Waiting Period)
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Precision Care Cancer, Return of Premium
          No Accident Medical Expense or Accident & Sickness Hospitalization
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

MISSISSIPPI

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefits, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Caregiver Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          No Nursing Home or Assisted Living Facility
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

MINNESOTA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Critical Illness Products:
    Cancer, Heart Attack & Stroke Lump Sum
          Riders:  Benefit Builder (Wellness Benefit not available), Recurrence, Intensive Care, Return of Premium, Child Coverage
          Issue ages: 18-90

     Critical CASH
          No Nursing Home or Assisted Living Facility
          Issue ages: 18-84

MICHIGAN

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 70

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Ambulance, Dental/Vision, Critical Accident, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Riders: ROP, Cancer Benefit Builder (No Wellness Benefit)
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Riders: Recurrence, Benefit Builder (Wellness Benefit not available), Dental/Vision, Return of Premium, Child Coverage
          Issue ages: 18-90

     Critical CASH
          SBSA Critical Provider Plus Critical Illness
          Riders: Precision Care Cancer, Return of Premium; No Accident & Sickness Hospitalization or Accident Medical Expense Riders
          Issue ages: 18-84

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

MASSACHUSETTS

Advantage Plus
     Hospital Stay Benefit: 10 and 21-day
     Daily Benefit Amounts: $100-$500
     Riders: Outpatient Surgical, Ambulance, Skilled Nursing Facility
     Issue ages: 65-85
     Guaranteed Issue ages: 64½ up to 65½

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Critical Illness Products:
     Precision Care Cancer
     Issue ages: 18-90

MARYLAND

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Ambulance, Lump Sum Cancer & With Recurrence, Skilled Nursing Facility (Option 1 only: $100-$220/day for days 1-50), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 70

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Caregiver Benefit
     Riders: Accident & Sickness Hospitalization, Ambulance
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer (No Return of Premium Rider)
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum (No ROP or Dental/Vision Riders)
          Issue ages: 18-90

     Critical CASH (No Return of Premium Rider)
          Issue ages: 18-84

Medicare Supplement- Paper apps only
     Plans:  A, F, F+, G & N (Plan F & F+ not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

MAINE

Advantage Plus
     Hospital Stay Benefit: 1, 3, 6, 10, or 21-day
     Riders: Short Stay, Dental/Vision, Lump Sum Cancer & With Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Ambulance, Critical Accident
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 65½

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

LOUISIANA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH (No Nursing Home or Assisted Living Facility)
         Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

KENTUCKY

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Ambulance, Dental/Vision, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 70

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care
     Plans B & C Available, No Rx Benefits
     Rider – Return of Premium
     Issue ages: 56-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit (rider must be 3.5 times the base NH benefit), Simple / Compound Inflation Protection
     Issue ages: 40-84 

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium
          No Accident Medical Expense Rider
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, C, F, G & N (Plan C & F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

KANSAS

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Ambulance, Ambulatory Surgical, Critical Accident, Lump Sum Hospital
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 70

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum (No Dental/Vision Rider)
          Issue ages: 18-90

     Critical CASH (No Nursing Home or Assisted Living Facility)
         Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

IOWA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Critical Accident, Lump Sum Hospital, Outpatient Surgical, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH (No Nursing Home or Assisted Living Facility)
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

INDIANA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10, or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
          Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

ILLINOIS

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 70

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          No Nursing Home or Assisted Living Facility
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

IDAHO

Advantage Plus
     Hospital Stay Benefit: 10 and 21-day
     Riders: Lump Sum Hospital Confinement, Lump Sum Cancer, Skilled Nursing Facility, Outpatient Surgical Ambulance
     Issue ages: 64-85
     Guaranteed Issue ages: 64½ up to 65½

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Caregiver Benefit
     Riders: Accident & Sickness Hospitalization (31-Day/$40 Base Benefit), Critical Accident, Ambulance, Return of Premium
     280 Day Max Benefit Period
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit
     180-Days/26 Weeks is the Max for Benefit Period Options; No Elimination periods; No Inflation Protection Riders
     Issue ages: 40-84

Critical Illness Products:
     Critical CASH
          Issue ages: 18-84

SBSA 24 Hour Accident Plan
          Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

HAWAII

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Outpatient Therapy, Lump Sum Hospital
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          Issue Age 60-84

GEORGIA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Critical Accident, Ambulance, First Diagnosis Lump Sum Cancer, Skilled Nursing Facility (2 Options), Outpatient Surgical, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     No Base Restoration of Benefits
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer (No Return of Premium Rider)
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum (No Dental/Vision or Return of Premium Rider)
          Issue ages: 18-90

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

FLORIDA

Indemnity Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     SBSA Association Membership
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 70

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Critical Illness Products:
     Precision Care Cancer
          Riders: Benefit Builder, Return of Premium, Child Coverage
          SBSA Association Membership
          Issue ages: 18-90

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

DELAWARE

Advantage Plus
     Hospital Stay Benefit: 1, 3, 6, 10, or 21-day
     Riders: Short Stay, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 65½

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care
     Riders: Accident & Sickness Hospitalization, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

CONNECTICUT

Advantage Plus ELITE
     Dental/Vision Policy
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Skilled Nursing Facility (2 Options), Ambulance, Lump Sum Hospital
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Prescription Drug Benefit Included
     3% Compound Inflation Rider
     Home Health Care with TCARE Caregiver Benefit
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

COLORADO

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sump Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 70

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care
     Riders: Accident & Sickness Hospitalization, Ambulance, Dental/Vision, Return of Premium
     Plan A Available for Ages 61-85
     Plan B and C Available for Ages 55-85

Critical Illness Products:
     Precision Care Cancer
          Riders: ROP, Cancer Benefit Builder (No Wellness Benefit)
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Riders: ROP, Cancer Benefit Builder (No Wellness Benefit), Heart Attack & Stroke Benefit Builder, Child Cancer/HAS
          Critical Accident, Intensive Care, Dental/Vision Riders Not Available
          Issue ages: 18-90

SBSA 24 Hour Accident Plan
     Issue ages: 18-69 

Medicare Supplement – Paper apps only
     Plans:  A, C, F, G & N (Plan C & F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

CALIFORNIA

Heritage Graded Whole Life Final Expense Plan
     Issue ages: 40-90

SBSA Accident Plan
     Issue ages: 18-69
 

ARKANSAS

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
    Issue ages: 18-69

ARIZONA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Ambulance, Skilled Nursing Facility (2 Options), Critical Accident, Lump Sum Hospital, Outpatient Therapy, Outpatient Surgical
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
     Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
     Issue ages: 18-90

     Critical CASH
     Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

Medicare Supplement – Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

ALASKA

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Caregiver Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
     Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
     Issue ages: 18-90

     Critical CASH
     Issue ages: 18-84

ALABAMA

Advantage Plus ELITE
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum
          Issue ages: 18-90

     Critical CASH
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
          Issue ages: 18-69

Medicare Supplement – Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99

TEXAS

Advantage Plus Elite
     Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 and 15-day; Add’l Base $15/day for the remainder of 31 days
     Riders: Guaranteed Purchase Option/Wellness Benefit, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefits, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy
     Issue ages: 40-85
     Guaranteed Issue ages: 64½ up to 80

Heritage Life Graded Whole Life Final Expense
     Issue ages: 40-90

Short-Term Home Health Care with TCARE Benefit
     Riders: Accident & Sickness Hospitalization (31-Day/$15 Base Benefit), Critical Accident, Ambulance, Dental/Vision
     Issue ages: 55-85

Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility
     Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection
     Issue ages: 40-84

Critical Illness Products:
     Precision Care Cancer (No ROP Riders)
          Issue ages: 18-90

     Cancer, Heart Attack & Stroke Lump Sum (No ROP Riders)
          Issue ages: 18-90

     Critical CASH (Special ROP Rider Issue Ages)
          Issue ages: 18-84

     SBSA Critical Provider Plus Critical Illness
          Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium
          No Accident Medical Expense
          SBSA Association Membership
          Issue ages: 18-64

SBSA 24 Hour Accident Plan
     Issue ages: 18-69

Medicare Supplement- Paper apps only
     Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
     Issue ages: 65-99