We empower individuals, families, and businesses to prepare for life's unexpected challenges by offering the best supplemental insurance for critical illnesses and injuries, such as cancer, heart attacks, strokes and more. Our program pays cash directly to the policyholder, and if you don't use it, we give you all your premiums back. Additionally, we help businesses provide added value to their employees. We require no minimums, no payroll deductions, and no paperwork. We handle everything for our business partners, providing peach of mind, knowing that your employees have the option to protect themselves and their families from life's unexpected challenges.