Novato, CA 94947 
We help plan for the unexpected.
Critical Illness:
Pays a lump sum directly to the insured, at the time of diagnosis, for heart attack, stroke, heart transplant and other threatening conditions as defined in the certificate. Benefit payments can be used to pay direct and indirect expenses including, but not limited to, lost income, travel, childcare, prescription drugs, mortgage payments, and home healthcare. Options are available for cancer, wellness, and recurrence benefits.
Cancer and Specified Disease:
Pays benefits that can be used for non-medical cancer related expenses that health insurance might not cover. Benefits are paid as they go and cover the cost of specific treatments and expenses as they happen. Covers 29 other diseases and offers options.
Accident:
Pays lump sum benefits for on and off-the-job accidents. This plan provides 24 hour accident benefits for dislocations, fractures, loss of limbs, and death as result of an accident. Hospital, Intensive Care and other medical expenses are covered in the Accident plan.
Hospital Indemnity:
Referred to as Group SHOP,(Supplemental Health Options Policy), pays predetermined amounts for covered hospital, outpatient, nursing, transportation and Physician services. Optional benefits include prescription drug coverage; wellness and preventative testing; diagnostic x-rays; off-the-job accident and sickness disability coverage; and term life coverage.