Specialty Benefits

Get peace of mind with a life insurance plan from Assurity. Extending your coverage can help protect your loved ones' financial future. The benefits can help pay for things like personal debts, medical bills and funeral expenses.

• Apply quickly, with no medicals exams or invasive tests.
• Choose from various premium levels.
• Convert your plan to permanent coverage.
• Customize your coverage with low-cost options.

Call a health plan advisor at 1-855-288-6721 or talk to your insurance agent.

Create or log in to your LifeSecure account.

When you can't work because of a medical issue, you risk losing your income.

A disability plan from Assurity is like paycheck protection. It replaces some of your income to help with living expenses while you recover.

• Start benefits quickly with just a phone call.
• Design a plan that works for you.
• Use your monthly cash benefit any way you want.

Call a health plan advisor at 1-855-288-6721 or talk to your insurance agent.

If you’re injured, you might end up off of work while bills come in from your recovery. LifeSecure Accident Insurance provides cash benefits to help you deal with some of those unexpected costs so you can focus on recovery.

• There's no medical exam or other requirement to sign up. You just need to be between the ages of 18-74. It’s guaranteed renewable until the age of 85.
• Choose your deductible of either $0 or $500.
  
• Accidental Death coverage for all family members is included at no additional cost.
• You choose an annual benefit bank amount. If you get any benefits for a calendar year, then on Jan. 1, your benefit bank returns to the full amount.
• LifeSecure has an online budgeting tool that can help you decide the amount of your annual benefit bank based on how much you want to spend.

Say you broke your ankle during a snowmobiling trip. You can use your personal accident benefits to help with these costs. You chose a benefit bank amount of $10,000 with a $500 deductible. 

$8,800 (covered expenses, after adjustments and discounts) – $500 (personal accident deductible) = $8,300 (payout to you).

Your annual benefit bank would have $1,700 left until Jan. 1.

Watch this video from LifeSecure to find out how a personal accident plan can help you cover your out-of-pocket expenses.

To get more information, call a health plan advisor at 1-855-288-6721 or contact your insurance agent.

When you face a critical illness like cancer or a heart attack, you also face substantial costs. A critical illness plan from LifeSecure can help. With this plan, you can get help paying for things like lost income, out-of-pocket costs and treatments that your health plan may not cover so you can focus on your health.

• Coverage for individuals between the ages of 18-70, guaranteed renewable until the age of 75
  
• Critical illness insurance provides a lump-sum benefit upon diagnosis of a covered disease, regardless of any other insurance you have.
• Dependent children are automatically covered with a $2,500 benefit - at no additional cost.
• Reoccurrence benefit for a previously diagnosed critical illness is included.

Call a health plan advisor at 1-855-288-6721 or talk to your insurance agent.

If you have a hospital stay or treatment in an observation unit, your medical insurance helps cover associated costs. Once you leave the hospital, you shouldn't have to worry about financial setbacks that you didn't expect during your recovery.

By pairing LifeSecure's Hospital Indemnity Insurance with your medical plan, you can extend your protection to help with unexpected costs so you can focus on your recovery.

• Coverage for individuals between the ages of 18-85. It's guaranteed renewable for life.
• No medical questions for applicants ages 64.5 to 66.
• You choose your daily benefit amount. You'll receive that amount for each day of your hospital stay, up to the number of confinement days you select (three, six, 10 or 21 days).
• For hospital admission related to mental or nervous disorders, you will receive a daily cash benefit of $150 for up to seven days per calendar year. 
• If you receive treatment in an observation unit, you will receive a cash benefit equal to your daily benefit amount, up to six days per calendar year. This benefit resets to six days annually on Jan. 1. Observation days count toward your hospital confinement days. 
• LifeSecure has an online budgeting tool that can help you decide your daily benefit amount based on how much you want to spend.

Let's say you chose a daily benefit amount of $500 with 10 days of confinement. You are hospitalized for four days after back surgery and receive a payout of $2,000 upon discharge. You now have six remaining days of confinement, which will reset after 60 consecutive days out of the hospital.

$500 (daily benefit amount) x 4 (number of days in hospital) = $2,000 (your benefit payout).

A month later, you experience a severe allergic reaction and are treated in the observation unit of a nearby hospital for several hours, from mid-morning until midnight. Your benefit pay out would be $500. You have five observation benefit days remaining this calendar year, and five inpatient hospital days remaining in this period of confinement.

$500 (daily benefit amount) x 1 (days in observation unit) = $500 (benefit payout)

Watch this video from LifeSecure to find out how a hospital indemnity plan can help you cover your additional expenses after your hospital stay.

To get more information, call a health plan advisor at 1-855-288-6721 or contact your insurance agent.