Not all insurance companies are alike. Most people don't realize when they choose individual policies, many, if not most carriers, use wording such as "we pay for usual, customary and reasonable charges." Do you know what reasonable means? It means the insurance company will decide if they consider the claim reasonable and will pay what they consider reasonable leaving you to pay what they won’t. Our company does not do that. We pay on "Usual and Customary." 

Many people learn the hard way (including myself) that when they select an insurance company based on the quote, that quote will only last until they RAISE their rates sometimes as high as 30, 40 and even 50%. And what happens when you get wise and decide to seek out insurance elsewhere? Well, that depends.  Many policy holders, or someone in the family on the policy, become uninsurable. With others, when that happens you are forced to pay outrageous premiums year after year and you may even be singled out to be cancelled. Our company does not do that.  With us, you will be a part of a large nationwide group which helps to keep your premiums down now, and in the future, plus you will never be singled out for rate increases or cancelled.

Also, many people do not realize they are NOT covered on the job with their personal insurance policy if they get injured or ill while working. With us, you have 24 hour protection and your policy goes where you go. 

Another way we are different then most other insurance companies is our coverage is portable. It goes where you go from state-to-state. We provide nationwide coverage. 

I know it can be very confusing when you look at protection and try to foresee your future needs, however, that's what is so nice about our company. We help you by letting you be a part of your own selection and protection process. We can customize your policy to suit YOUR needs and YOUR budget. That is why it is impossible to send you a plan until YOU have selected the protection coverage that best suits your individual needs. This is called The Freedom Plan. What is unique about The Freedom Plan is that it allows YOU the Freedom to choose the level of protection and benefits that you want and can afford. We offer several options. Plus, with The Freedom Plan you get to choose which health care provider you wish to use. Our Freedom Plan is a 80/20 plan. However we pay 100% for room and board (based on the plan you choose) and there is no deductible for outpatient cancer treatment with the cancer coverage when you choose that option. And REMEMBER…............. Any doctor, no network!  

TO SUMMARIZE AND REVIEW HOW WE ARE DIFFERENT