To see the current insurance plans available in your state, please click on the states below or download the current state approval chart using the blue button.
Rev 7/16/2026
FOR AGENT USE ONLY – Not intended to be distributed to the public or used as consumer solicitation.
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