INDIVIDUAL
HEALTH INSURANCE FAMILY HEALTH INSURANCE GROUP INSURANCE LIFE INSURANCE SHORT TERM COVERAGE DENTAL PLANS ACCIDENT PROTECT INDEMNITY CRITICAL ILLNESS CANCER PLANS

• copays
• deductables
• coinsurance,
Not to mention terms like
• pre-existing conditions,
• limitations and exclusions,
• term lengths,

1.	Lack of direction on where to obtain insurance.
2.	Rising cost to obtain and/or continue carring coverage.
3.	Not knowing how insurance really works, let alone protect.

Why assume when it could cost you your future! Let one of our licensed insurance agents help guide you every step of the way!

Get involved in protecting yourself, its the most valuable asset you own.

CRITICAL ILLNESS

It can happen to anyone ask your N.H.A to add this vital piece of protection to your health portfolio.

Our Critical Provider plan is a unique term life insurance policy with a Critical and Terminal Illness Benefit Rider.

Most of us are not prepared for the financial strain that we could experience should we survive a critical or terminal illness. The Critical Provider plan has been created to help protect us from financial burden.

Under either plan, the policy benefit is paid directly to you while you are alive and can be used to:

• Cover health insurance deductibles or copays
• Replace lost income
• Take a vacation to recuperate
• Cover any other needs to help you maintain your quality of life

Critical Provider will accelerate a direct percentage of your term life insurance policy's death benefit for the following diagnosed illnesses:

• 100% Death from any cause
• 100% Heart Attack
• 100% Stroke
• 100% Life Threatening Cancers
• 100% Major Organ Transplant
• 100% Coronary Bypass Surgery
• 100% Renal Failure
• 100% Alzheimer's Disease
• 75% Terminal Illness -- any cause
• 75% Confined to nursing home
• 10% Angioplasty (payable one time)