A Wise Plan

Apply for voluntary supplemental insurance which can help provide for specific insurance coverage important for yourself and your family.
      Plans are voluntary
      Plans are portable and can continue even if you change jobs
      Premiums may be paid through convenient payroll deduction
      Individual and Family coverage available
      Low monthly or weekly premiums make it easy to get started
      Pays in addition to other coverage you may have
      Pays direct to you, unless assigned

The Product	The Benefit	The Necessity
Accident/Sickness/ Disability Policy	Helps provide a financial cushion beyond an accident to include sickness and off-the-job disability riders.	An extended illness can be just as debilitating as an injury --- suspending or stopping the physical capacity to earn a living.
Short-Term Disability	Helps offset the loss of pay resulting from a sickness or off-the job- injury through monthly benefits	According to the National Safety Council, an average of 2,200 disabling injuries occurs every hour during the year.
Cancer Expense Protection Policy	Helps offset the medical expenses related to cancer treatment	In the United States, men have a 1-in-2 and women a 1-in-3 lifetime risk of getting cancer. Over $37 billion is spent each year to treat cancer
Intensive Care Policy	Covers confinement in hospital intensive care	ICU costs can soar well above those of a general room as well as above the benefit levels of standard health insurance policies
Hospital Confinement Policy	Helps offset the non covered expenses of a hospital stay	Inpatient daily costs average nearly $1,066; outpatient surgery accounts for 62% of all operations
Term Life Insurance Policy	Combines individuality owned, economical protection now with the ability to switch later to permanent coverage	Growing families are most at risk if one or both of the breadwinners sustain an untimely death
Specified Health Event Policy	Offers a First-Occurance Benefit as well as Hospital Confinement and Continuing Care Benefits	This Policy covers specific health events like heart attacks; coronary artery bypass surgeries and strokes; end-stage renal failures, major transplants and third-degree burns; comas and paralyses
Dental Policy	A portable, "no deductible" plan that offers freedom of choice and no coordination of benefits	Good oral care --- including periodic wellness visits ---- helps reduce the likelihood of expensive treatment and work disruption later on