Guarantee Trust Life

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  • 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: Ambulance, Dental/Vision, Lump Sum Cancer & With Recurrence, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40 – 90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

    • Riders: Accident & Sickness Hospitalization (31-Day/$15 Base Benefit), Critical Accident, Ambulance, Dental/Vision

    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

    iGAP Guaranteed Issue Accident Coverage

    Critical Illness Products:

    • Precision Care Cancer
      • No ROP Riders
    • Cancer, Heart Attack & Stroke Lump Sum
      • No ROP Riders
    • Critical Provider Plus Critical Illness
      • Rider: Precision Care Cancer Only
      • No SBSA Association

    SBSA 24 Hour Accident Plan

    Medicare Supplement – GTL

    • Plans: A, B, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

    • Riders: Accident & Sickness Hospitalization, Ambulance, Dental/Vision, Return of Premium

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Cancer, Heart Attack & Stroke Lump Sum
      • Unisex rates, Special 30 Day Initial Benefit Period
    • Critical CASH
      • No Waiting Period
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    Medicare Supplement – GTL

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue Ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Home Care Secure – Short-Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

    Medicare Supplement

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH

    Medicare Supplement – GTL

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    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

  • Advantage Plus

    • Hospital Stay Benefit: 31-day
    • Daily Benefit Amounts: $40-$250
    • (No Guaranteed Issue Between 64 1/2 – 65 1/2)

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Critical Illness Products:

    • Critical CASH
      • No ROP Rider Available; No Waiting Period

  • Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85
    • There are currently no products available in this state.

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging At Home Association

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium
    • No Pre-Existing Condition Limitations Age 65+

    Recover Cash – Short-Term Care –  Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver benefit; Simple / Compound Inflation Protection
    • No Pre-Existing Condition Limitations Period

    Critical Illness Products:

    • Precision Care Cancer
      • No Pre-Existing Condition Limitations Age 65+
    • Cancer, Heart Attack & Stroke Lump Sum
      • No Pre-Existing Condition Limitations Age 65+
    • Critical CASH
    • 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

    • Plans:  A, D, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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 Benefits, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Critical Illness Products:

    • Precision Care Cancer
      • No 20-Year ROP Rider
    • Cancer, Heart Attack & Stroke Lump Sum
      • No 20-Year ROP Rider
    • Critical CASH

    Medicare Supplement

    • Plans A, C, F, G & N (Plan C & F not available for Medicare eligible as of 1/1/2020)

    SBSA 24 Hour Accident Plan

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Caregiver Benefit, Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    iGAP Guaranteed Issue Accident Coverage

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical Care
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

    Medicare Supplement

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    Medicare Supplement

    • Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

    SBSA 24 Hour Accident Plan

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Return of Premium

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

      • Precision Care Cancer
      • Cancer, Heart Attack & Stroke Lump Sum
      • Critical CASH

  • 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 Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Home Care Secure – Short-Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    Recover Cash – Short-Term Care – Skilled Nursing Facility / Assisted Living Facility

    • 340-Days is the Max for Benefit Period Options
    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
      • Special 10% Initial Benefit for 30-Day Period
    • Cancer, Heart Attack & Stroke Lump Sum
      • No Dental/Vision Rider
      • Special 10% Initial Benefit for 30-Day Period
    • Critical CASH
      • No Waiting Period
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Precision Care Cancer, Return of Premium
      • No Accident Medical Expense or Accident & Sickness Hospitalization
      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

  • Advantage Plus ELITE

    • Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 or 15-day
    • Riders: Ambulance, Dental/Vision, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

    • Riders: Accident & Sickness Hospitalization, Ambulance, Critical Accident, Dental/Vision, Return of Premium

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    Medicare Supplement – GTL

    • Plans A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care with TCARE Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
      • Special 10% Initial Benefit for 30-Day Period; Riders: Benefit Builder, Child Benefit, Return of Premium
    • Cancer, Heart Attack & Stroke Lump Sum
      • Special 10% Initial Benefit for 30-Day Period; Riders: Recurrence, Benefit Builder, Child Benefit, Intensive Care, Critical Accident, D/V, Return of Premium
    • Critical CASH
      • No Waiting Period; No Nursing Home or Assisted Living Facility; Rider: Return of Premium

    Medicare Supplement

    • Plans A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Home Care Secure – Short Term Care

    • Aging at Home Association
    • Simple 3% Inflation Rider not available

    Short-Term Home Health Care

    • Riders: Accident & Sickness Hospitalization, Ambulance

    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 Restoration of Benefits

    Critical Illness Products:

    • Precision Care Cancer (No ROP; No Wellness Benefit in Cancer Benefit Builder Rider)
    • Cancer, Heart Attack & Stroke Lump Sum (No ICU, Critical Accident, ROP & Dental/Vision Riders)
    • Critical CASH
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer; No Return of Premium or Accident Medical Expense
      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

    Medicare Supplement – GTL

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    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/$15 Base Benefit), Critical Accident, Ambulance, Dental/Vision

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
      • No ROP Riders
    • Cancer, Heart Attack & Stroke Lump Sum
      • No ROP Riders
    • Critical CASH
      • Special ROP Rider Issue Ages
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium
      • No Accident Medical Expense
      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

    iGAP Guaranteed Issue Accident Coverage

    Medicare Supplement

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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
    • No Guaranteed Issue Between 64 1/2 – 65 1/2

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum

    Medicare Supplement – GTL

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue Ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Critical Illness Products:

    • Precision Care Cancer
      • Riders: Benefit Builder, Child Coverage; No ROP Riders
    • Cancer, Heart Attack & Stroke Lump Sum
      • Riders: Benefit Builder, Recurrence, Intensive Care, Child Coverage
      • No Dental/Vision, Critical Accident or ROP Riders

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue Ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care, Simple / Compound Inflation

    SBSA Critical Provider Plus Critical Illness

    • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
    • SBSA Association Membership

    SBSA 24 Hour Accident Plan

    Medicare Supplement

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

    Medicare Supplement

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    iGAP Guaranteed Issue Accident Coverage

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical Cash
      • No Nursing Home or Assisted Living Facility
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

    Medicare Supplement

    • Base Plan and Riders (Part B Deductible Rider Not available to Medicare Eligible 1/1/20 and after.)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Ambulance, Dental/Vision, Return of Premium

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products

    • Critical CASH

    SBSA 24 Hour Accident Plan

  • Advantage Plus Elite

    • Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 and 15-day
    • Riders: Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefits, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    SBSA  24 Hour Accident Plan

    Medicare Supplement

    • Plans A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Short-Term Home Health Care

    • Plans B & C Available, Issue age 61-85; No Rx Benefit
    • Rider – Return of Premium

    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

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium
      • No Accident Medical Expense Rider
      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

    Medicare Supplement – GTL

    • Plans: A, C, F, G & N (Plan C & F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
      • Riders: Benefit Builder, Child Benefit, Return of Premium
    • Cancer, Heart Attack & Stroke Lump Sum
      • Riders: Recurrence, Benefit Builder, Child Benefit, Intensive Care, Critical Accident, D/V, Return of Premium
    • Critical Care
      • No Nursing Home or Assisted Living Facility; Rider: Return of Premium
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization & Ambulance

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
      • No Return of Premium Rider
    • Cancer, Heart Attack & Stroke Lump Sum
      • No ROP or Dental/Vision Riders
    • Critical CASH
      • No Return of Premium Rider

    Medicare Supplement – GTL

    • Plans: A, F, F+, G & N (Plan F & F+ not available for Medicare eligible as of 1/1/2020)

  • Advantage Plus

    • Hospital Stay Benefit: 10 and 21-day
    • Daily Benefit Amounts: $100-$500
    • Riders: Outpatient Surgical, Ambulance, Skilled Nursing Facility

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Critical Illness Product:

    • Precision Care Cancer

    iGAP Guaranteed Issue Accident Coverage

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue Ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Ambulance, Dental/Vision, Critical Accident, Return of Premium

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
      • Riders: ROP, Cancer Benefit Builder (No Wellness Benefit)
    • Cancer, Heart Attack & Stroke Lump Sum
      • Riders: Recurrence, Benefit Builder (Wellness Benefit not available), Dental/Vision, Return of Premium, Child Coverage
    • Critical CASH
    • SBSA Critical Provider Plus Critical Illness
      Riders: Precision Care Cancer, Return of Premium; No Accident & Sickness Hospitalization or Accident Medical Expense Riders

      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

    Medicare Supplement

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • Advantage Plus Elite

    • Hospital Stay Benefit: 1, 3, 4, 5, 6, 7, 8, 9, 10 and 15-day
    • Riders: Ambulance, Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Critical Illness Products:

    • Cancer, Heart Attack & Stroke Lump Sum
      • Riders:  Benefit Builder (Wellness Benefit not available), Recurrence, Intensive Care, Return of Premium, Child Coverage
    • Critical CASH
      • No Nursing Home or Assisted Living Facility, No ROP Rider

  • Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium and Child Riders
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    Recover Cash – Short-Term Care – Nursing Home/Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit; Simple/Compound Inflation Protection

    Critical Illness Products:

      • Precision Care Cancer
      • Cancer, Heart Attack & Stroke Lump Sum
      • Critical CASH

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium & Child Rider
    • Issue Ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

    Medicare Supplement

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    iGAP Guaranteed Issue Accident Coverage

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

    Medicare Supplement – GTL

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    Home Care Secure

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

  • Heritage Graded Whole Life Final Expense Plan

    • Issue ages 40-90

    SBSA 24 Hour Accident Plan

  • 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

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Short-Term Home Health Care

    • Riders: Accident & Sickness Hospitalization, Ambulance, Return of Premium
    • Plan A Available for Ages 61-85

    Critical Illness Products:

    • Precision Care Cancer
      • Riders: ROP, Cancer Benefit Builder (No Wellness Benefit)
    • 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

    SBSA 24 Hour Accident Plan

    Medicare Supplement

    • Plans: A, C, F, G & N (Plan C & F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum

    Recover Cash – Short-Term Care Indemnity – Nursing Home, Assisted Living Facility & At Home Care

    • Prescription Drug Benefit Included
    • 3% Compound Inflation Rider
    • Home Health Care with TCARE Caregiver Benefit

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Ambulance, Dental/Vision, Return of Premium

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    Medicare Supplement

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH

    SBSA 24 Hour Accident Plan

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Critical Illness Products

    • Precision Care Cancer
      • Riders: Benefit Builder, Return of Premium, Child Coverage
      • SBSA Association Membership
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

     

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Return of Premium

    iGAP Guaranteed Issue Accident Coverage

    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

    Critical Illness Products:

    • Precision Care Cancer
      • No Return of Premium Rider
    • Cancer, Heart Attack & Stroke Lump Sum
      • No Dental/Vision or Return of Premium Rider
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

    Medicare Supplement – GTL

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders:  Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    iGAP Guaranteed Issue Accident Coverage

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH
      • Issue Age 60-84

  • Advantage Plus

    • Hospital Stay Benefit: 10 and 21-day
    • Riders: Lump Sum Hospital Confinement, Lump Sum Cancer, Skilled Nursing Facility, Outpatient Surgical Ambulance

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    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

    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

    Critical Illness Products:

    • Critical CASH

    SBSA 24 Hour Accident Plan

    Medicare Supplement – GTL

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

    Medicare Supplement

    • Plans:  A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • Advantage Plus

    • Hospital Stay Benefit: 3, 6, 10, or 21-day
    • Riders: Short Stay, Ambulance, Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility, Outpatient Surgical, Lump Sum Hospital Confinement

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Short-Term Home Health Care

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
      • Riders: Cancer Benefit Builder, Child Cancer Benefit, Return of Premium
    • Cancer, Heart Attack & Stroke Lump Sum
      • Riders: Recurrence Benefit, Benefit Builder, Child Benefit, Intensive Care, Critical Accident, D/V, Return of Premium
    • Critical CASH – Rider: Return of Premium
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    SBSA 24-Hour Accident Plan

    Medicare Supplement

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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), Critical Accident, Lump Sum Hospital, Outpatient Surgical, Outpatient Therapy

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care with TCARE Caregiver Benefit

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    Home Care Secure – Short Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Care – Nursing Home / Assisted Living Facility

    • Riders: Home Health Care with TCARE Caregiver Benefit, Simple / Compound Inflation Protection

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical CASH
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    SBSA 24 Hour Accident Plan

    Medicare Supplement – GTL

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)

  • 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

    Turbo Term Fully Underwritten Instant Issue Individual Term Life

    • Riders: Accidental Death, Waiver of Premium, Child Rider
    • Issue ages 20-70

    Heritage Life Graded Whole Life Final Expense

    • Issue ages 40-90

    GTL Life Select Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Home Care Secure – Short-Term Care

    • Rider: Simple 3% Inflation
    • Aging at Home Association

    Short-Term Health Care

    • Riders: Accident & Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision, Return of Premium

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
      • No Dental/Vision Rider
    • Critical CASH
      • No Nursing Home or Assisted Living Facility
    • SBSA Critical Provider Plus Critical Illness
      • Riders: Accident & Sickness Hospitalization, Precision Care Cancer, Return of Premium, Accident Medical Expense
      • SBSA Association Membership

    Medicare Supplement

    • Plans: A, F, G & N (Plan F not available for Medicare eligible as of 1/1/2020)
DC