• 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

    Home Care Secure

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

    Home Life Secure 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

    Medicare Supplement – GTL

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    • (Does Not Have Restoration of Benefits)

    Critical Illness Products:

    • Precision Care Cancer
      • (No ROP Riders)
    • Cancer, Heart Attack & Stroke Lump Sum
      • (No ROP Riders)

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50 – 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

    Home Life Secure 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

    Medicare Supplement – GTL

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

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

    • Cancer, Heart Attack & Stroke Lump Sum
      • (Unisex rates, Special 30 Day Initial Benefit Period)
    • Critical CASH
      • (No Waiting Period)

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • 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

    Home Care Secure – Short-Term Care

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Medicare Supplement

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue Ages 50-90

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Medicare Supplement – GTL

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • Recover Cash – Short-Term Nursing Home Care

    • (180-Days is the Max for Benefit Period Options)

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • Advantage Plus

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Critical Illness Products:

    • Critical CASH
      • (No ROP Rider Approved)
      • (No Waiting Period)

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • Advantage Plus

    • Hospital Stay Benefit: 1, 3, 6, 10, or 21-day
    • Riders: Short Stay, Lump Sum Cancer & with Recurrence Benefit, Outpatient Surgical, Ambulance, Skilled Nursing Facility (2 Options), Critical Accident

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
      • (No Dental/Vision Rider)
    • Critical CASH

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    SBSA 24 Hour Accident Plan

    • 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

    Home Care Secure – Short Term Care

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Medicare Supplement

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

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • 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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Medicare Supplement

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

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    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

    Medicare Supplement

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

    Home Care Secure – Short Term Care

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

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

    Home Care Secure – Short Term Care

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Medicare Supplement

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • 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

    Home Care Secure – Short-Term Care

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Recover Cash – Short-Term Nursing Home Care

    • (340-Days is the Max for Benefit Period Options)

    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)

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

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

    Home Life Secure 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 Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • 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

    Home Care Secure – Short Term Care

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Medicare Supplement – GTL

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

  • 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), Dental/Vision, Lump Sum Cancer & with Recurrence Benefit, Critical Accident, Outpatient Surgical, Lump Sum Hospital, Outpatient Therapy

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Medicare Supplement

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

    Critical Illness Products:

    • Precision Care Cancer
      • (Special 10% Initial Benefit for 30-Day Period)
    • Cancer, Heart Attack & Stroke Lump Sum
      • (Special 10% Initial Benefit for 30-Day Period)
    • Critical CASH
      • (No Waiting Period; No Nursing Home or Assisted Living Facility)

    Heritage Graded Whole Life Final Expense Plan

  • 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

    Home Life Secure 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

    Medicare Supplement – GTL

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

    Recover Cash – Short-Term Nursing Home Care

    • (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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    SBSA 24 Hour Accident Plan

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

    Home Life Secure 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

    Home Care Secure – Short Term Care

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

    Medicare Supplement

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

    iGAP Guaranteed Issue Accident Coverage

    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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Medicare Supplement – GTL

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

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • Home Life Secure 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

    Heritage Graded Whole Life Final Expense Plan

    • Issue Ages 50-90
  • 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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Medicare Supplement

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Heritage Graded Whole Life Final Expense Plan

    • Issue Ages 50-90

    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 Rider & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Critical Accident, Lump Sum Hospital, Outpatient Therapy

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Medicare Supplement

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

    Short-Term Home Health Care

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Medicare Supplement

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

    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)

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    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, Critical Accident, Lump Sum Cancer & with Recurrence Benefit, Skilled Nursing Facility (2 Options), Outpatient Surgical, Lump Sum Cancer, Outpatient Therapy

    Home Life Secure 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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products

    • Critical CASH

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    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

    Home Care Secure – Short Term Care

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Medicare Supplement

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    SBSA  24 Hour Accident Plan

  • Advantage Plus ELITE

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

    Home Care Secure – Short Term Care

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Medicare Supplement – GTL

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

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    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

    Home Care Secure – Short Term Care

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

    • Precision Care Cancer
    • Cancer, Heart Attack & Stroke Lump Sum
    • Critical Care
      • (No Nursing Home or Assisted Living Facility)

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • 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

    Home Life Secure 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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • 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

    Home Life Secure 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

    Medicare Supplement – GTL

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

    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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • Advantage Plus

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    iGAP Guaranteed Issue Accident Coverage

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • 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

    Home Care Secure – Short Term Care

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Medicare Supplement

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

    Recover Cash – Short-Term Nursing Home Care

    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

    Heritage Graded Whole Life Final Expense Plan

    • Issue Ages 50-90

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

    Home Life Secure 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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • 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

    Home Care Secure – Short Term Care

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Medicare Supplement

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    SBSA 24 Hour Accident Plan

  • Advantage Plus ELITE

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

    Home Care Secure – Short Term Care

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Medicare Supplement – GTL

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

    iGAP Guaranteed Issue Accident Coverage

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    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

    Home Care Secure

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    SBSA 24 Hour Accident Plan

  • Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    SBSA Accident Plan

  • Advantage Plus

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

    Home Care Secure – Short Term Care

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

    Home Life Secure 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, Return of Premium
    • Plan A Available for Ages 61-85

    Medicare Supplement

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

    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
    • Critical CASH

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    SBSA 24 Hour Accident Plan

  • Advantage Plus ELITE

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

    Home Life Secure 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

    • Prescription Drug Benefit Included
    • 3% Compound Inflation Rider

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • 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

    Home Life Secure 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

    Medicare Supplement

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    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

    Home Life Secure 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

    Heritage Graded Whole Life Final Expense Plan

  • Advantage Plus ELITE

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

    Home Life Secure 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, Return of Premium

    Medicare Supplement – GTL

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    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, Outpatient Therapy, Lump Sum Hospital

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

    • 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
      • Issue Age 60-84

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
  • Advantage Plus

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

    Home Life Secure 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/$40 Base Benefit), Critical Accident, Ambulance, Return of Premium
    • 280 Day Max Benefit Period

    Medicare Supplement – GTL

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

    Recover Cash – Short-Term Nursing Home Care

    • 180-Days is the Max for Benefit Period Options

    Critical Illness Products:

    • Critical CASH

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    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

    Home Care Secure – Short Term Care

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

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

    Medicare Supplement

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    SBSA 24 Hour Accident Plan

  • 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

    Home Life Secure 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

    Medicare Supplement

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

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Home Health Care

    • 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

    Medicare Supplement – GTL

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

    iGAP Guaranteed Issue Accident Coverage

    Recover Cash – Short-Term Nursing Home Care

    Critical Illness Products:

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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90

    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, Ambulatory Surgical, Critical Accident, Lump Sum Hospital

    Home Care Secure – Short-Term Care

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

    Home Life Secure Graded Whole Life – with Chronic and Terminal Illness Accelerated Living Benefits

    • Issue ages 18-85

    Short-Term Health Care

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

    Medicare Supplement

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

    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

    Heritage Graded Whole Life Final Expense Plan

    • Issue ages 50-90
DC