Special Risk Insurance
Protect what matters most with Guarantee Trust Life Insurance Company’s special risk insurance products. With customizable coverage, you can find the best policy to fit your needs.
Protect what matters most with Guarantee Trust Life Insurance Company’s special risk insurance products. With customizable coverage, you can find the best policy to fit your needs.
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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 75
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