Unique Solutions

Unique Solutions (6)

Major Medical Health Insurance is a type of medical insurance developed for protection against a broad range of catastrophic medical expenses, incurred in or out of the hospital.  Major medical expense benefits are typically subject to a deductible and usually a coinsurance is involved.  With Major Medical Health Insurance it may contain limits on specific types of charges, like room and board but covers a major part of charges for hospital, doctor, private nurses, medical appliances, prescribed out-of-hospital treatment, drugs and medicines.Major Medical Plans

Major Medical Health Insurance is a type of medical insurance developed for protection against a broad range of catastrophic medical expenses, incurred in or out of the hospital. Major medical expense benefits are typically subject to a deductible and usually a coinsurance is involved. With Major Medical Health Insurance it may contain limits on specific types of charges, like room and board but covers a major part of charges for hospital, doctor, private nurses, medical appliances, prescribed out-of-hospital treatment, drugs and medicines.

In summary, Major Medical Health Insurance Insurance covers most serious medical expenses up to a maximum limit, after a deductible and coinsurance provision. Major Medical Health Insurance is typically used as a complement to hospital/medical/surgical coverages.


Indemnity Health Plans allow you to choose your health care providers. You can go to any doctor, hospital or other provider for a set monthly premium. The plan reimburses you or your health care provider on the basis of services rendered. You may be required to meet a deductible and pay a percentage of each bill. However, there is also often an annual limit on out-of-pocket expenses, so that once an individual or family reaches the limit, the insurance covers the remaining eligible medical expenses in full. Indemnity plans sometimes impose restrictions on covered services and may require prior authorization for hospital care or other expensive services.

Indemnity Plans

Cafeteria/Flexible Spending Plans are employer-sponsored plans that allow the employee to design his or her own employee benefit package, choosing between one or more employee benefits and cash. Several types of Flexible Benefits or Cafeteria Plans are used by employers, including a pre-tax conversion plan, multiple option pre-tax conversion plan, medical plans plus flexible spending accounts, and employer credit cafeteria plans. For more information about these choices, contact your employee benefits department.

Indemnity Health Plans allow you to choose your health care providers. You can go to any doctor, hospital or other provider for a set monthly premium. The plan reimburses you or your health care provider on the basis of services rendered. You may be required to meet a deductible and pay a percentage of each bill. However, there is also often an annual limit on out-of-pocket expenses, so that once an individual or family reaches the limit, the insurance covers the remaining eligible medical expenses in full. Indemnity plans sometimes impose restrictions on covered services and may require prior authorization for hospital care or other expensive services.

“Basic and Essential” Health Plans provide limited health insurance benefits at a considerably lower cost. When buying such a plan, it is extremely important to read the policy description carefully because these plans don’t cover some basic treatments, such as chemotherapy, certain prescriptions and maternity care. Furthermore, rates vary considerably because, unlike indemnity plans or a managed care option, premiums are community rated and are based on age, gender, health status, occupation or geographic location.

Health Savings Accounts (HSA) are a recent alternative to traditional health insurance plans. HSAs are basically a savings product designed to offer individuals a different way to pay for their health care. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis. Instead of paying a premium, you establish a tax-free savings account that covers your out-of-pocket medical expenses. This means that you own and control the money in your HSA. You make all decisions about how to spend the money without relying on a third party or a health insurer. You also decide what types of investments to make with the money in the account in order to make it grow. However, if you sign up for an HSA, you are generally required to buy a High Deductible Health Plan as well.

High-Deductible Health Plans (HDHP) are sometimes referred to as catastrophic health insurance coverage. An HDHP is an inexpensive health insurance plan that kicks in only after a high deductible is met of at least $1,000 for an individual or $2,000 for a family.Whole or ordinary life insurance, universal or adjustable life insurance, variable life insurance, variable-universal life insurance, indexed universal life insurance, iul, iuls, equity indexed annuity, market value adjusted annuity, deferred annuity, immediate annuity, fixed period annuity, lifetime annuity, pure lifetime annuity, qualified annuity, non-qualified annuity, nonqualified annuity, single premium annuity, flexible premium annuity, equity indexed annuities, market value adjusted annuities, deferred annuities, immediate annuities, fixed period annuities, lifetime annuities, pure lifetime annuities, qualified annuities, non-qualified annuities, nonqualified annuities, single premium annuities, flexible premium annuities


Health Maintenance Organizations, HMOs, hmo, Health Maintenance Organization, Point-of-Service, POS, Preferred Provider Organizations, PPOs, Preferred Provider Organization, PPO

Managed Care Options

Health Maintenance Organizations (HMOs) offer access to an extensive network of participating physicians, hospitals and other health care professionals and facilities. You choose a primary care doctor from a list provided by the HMO and this doctor coordinates your health care. You must contact your primary care doctor to be referred to a specialist. Generally, you pay fewer out-of-pocket expenses with an HMO, but you are often charged a fee or co-payment for services such as doctor visits or prescriptions.

Point-of-Service (POS) plans are an indemnity-type option in which the primary care doctors in the POS plan usually make referrals to other providers within the plan. If a doctor makes a referral out of the plan, the plan pays all or most of the bill. However, if you refer yourself to an outside provider, the service is covered by the plan, but you will be required to pay co-insurance.

Preferred Provider Organizations (PPO) charge on a fee-for-service basis. The participating doctors, hospitals and health care providers are paid by the insurer on a negotiated, discounted fee schedule. Costs are lower if you use in-network healthcare services, but you have the option of going out-of-network. If you choose an out-of-network provider, you are generally required to pay the difference between what the provider charges and what the plan pays.

Whole or ordinary life insurance, universal or adjustable life insurance, variable life insurance, variable-universal life insurance, indexed universal life insurance, iul, iuls, equity indexed annuity, market value adjusted annuity, deferred annuity, immediate annuity, fixed period annuity, lifetime annuity, pure lifetime annuity, qualified annuity, non-qualified annuity, nonqualified annuity, single premium annuity, flexible premium annuity, equity indexed annuities, market value adjusted annuities, deferred annuities, immediate annuities, fixed period annuities, lifetime annuities, pure lifetime annuities, qualified annuities, non-qualified annuities, nonqualified annuities, single premium annuities, flexible premium annuities


Medicaid, Medicare, State Children’s Health Insurance Program, SCHIP, Military Health Care, TRICARE, CHAMPUS, Civilian Health and Medical Program of the Uniformed Services, CHAMPVA, Civilian Health and Medical Program of the Department of Veterans Affairs, Department of Veterans Affairs, VA, veterans administration, State Plans, low-income, uninsured, Indian Health Service, IHS, Department of Health and Human Services program, medical assistance, American Indians, HIS facilities, health care services" />Medicaid</strong> is a federal/state public assistance program created in 1965. It is administered by the states for people whose income and resources are insufficient to pay for health care or private insurance. All states have Medicaid programs, though eligibility levels and coverage benefits vary.<br /> <br /> <strong>Medicare </strong>is a federal government program for people 65 and older, or those with certain disabilities, that pays part of the costs associated with hospitalization, surgery, doctors’ bills, home health care and skilled-nursing care.

Government-Sposored Health Insurance

Medicaid is a federal/state public assistance program created in 1965. It is administered by the states for people whose income and resources are insufficient to pay for health care or private insurance. All states have Medicaid programs, though eligibility levels and coverage benefits vary.

Medicare is a federal government program for people 65 and older, or those with certain disabilities, that pays part of the costs associated with hospitalization, surgery, doctors’ bills, home health care and skilled-nursing care.

State Children’s Health Insurance Program (SCHIP) is administered at the state level and provides health care to low-income children whose parents do not qualify for Medicaid. SCHIP may be known by different names in different states.

Military Health Care includes TRICARE/CHAMPUS (Civilian Health and Medical Program of the Uniformed Services) and CHAMPVA (Civilian Health and Medical Program of the Department of Veterans Affairs) as well as care provided by the Department of Veterans Affairs (VA).

State-specific Plans are available for low-income uninsured individuals. These plans are known by different names in different states.

Indian Health Service (IHS) is a Department of Health and Human Services program offering medical assistance to eligible American Indians at HIS facilities. In addition, the HIS helps pay the cost of selected health care services provided at non-HIS facilities.Whole or ordinary life insurance, universal or adjustable life insurance, variable life insurance, variable-universal life insurance, indexed universal life insurance, iul, iuls, equity indexed annuity, market value adjusted annuity, deferred annuity, immediate annuity, fixed period annuity, lifetime annuity, pure lifetime annuity, qualified annuity, non-qualified annuity, nonqualified annuity, single premium annuity, flexible premium annuity, equity indexed annuities, market value adjusted annuities, deferred annuities, immediate annuities, fixed period annuities, lifetime annuities, pure lifetime annuities, qualified annuities, non-qualified annuities, nonqualified annuities, single premium annuities, flexible premium annuities


How can I get a Health Savings Account? Consumers can sign up for HSAs with banks, credit unions, insurance companies and other approved companies. Your employer may also set up a plan for employees as well.

Health Savings Accounts (HSAs)

What is a Health Savings Account (HSA)?

A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.

You must be covered by a High Deductible Health Plan (HDHP) to be able to take advantage of HSAs. An HDHP generally costs less than what traditional health care coverage costs, so the money that you save on insurance can therefore be put into the Health Savings Account.

You own and you control the money in your HSA. Decisions on how to spend the money are made by you without relying on a third party or a health insurer. You will also decide what types of investments to make with the money in the account in order to make it grow.

What is a High Deductible Health Plan (HDHP)?

You must have an HDHP if you want to open an HSA. Sometimes referred to as a catastrophic health insurance plan, an HDHP is an inexpensive health insurance plan that generally doesn't pay for the first several thousand dollars of health care expenses (i.e., your deductible) but will generally cover you after that. Of course, your HSA is available to help you pay for the expenses your plan does not cover.

For 2008, in order to qualify to open an HSA, your HDHP minimum deductible must be at least $1,100 (self-only coverage) or $2,200 (family coverage). The annual out-of-pocket (including deductibles and co-pays) for 2008 cannot exceed $5,600 (self-only coverage) or $11,200 (family coverage). HDHPs can have first dollar coverage (no deductible) for preventive care and apply higher out-of-pocket limits (and copays & coinsurance) for non-network services.

How can I get a Health Savings Account?

Consumers can sign up for HSAs with banks, credit unions, insurance companies and other approved companies. Your employer may also set up a plan for employees as well.

How much does an HSA cost?

An HSA is not something you purchase; it's a savings account into which you can deposit money on a tax-preferred basis. The only product you purchase with an HSA is a High Deductible Health Plan, an inexpensive plan that will cover you should your medical expenses exceed the funds you have in your HSA. However, HSA trustees often will charge fees for their services.Whole or ordinary life insurance, universal or adjustable life insurance, variable life insurance, variable-universal life insurance, indexed universal life insurance, iul, iuls, equity indexed annuity, market value adjusted annuity, deferred annuity, immediate annuity, fixed period annuity, lifetime annuity, pure lifetime annuity, qualified annuity, non-qualified annuity, nonqualified annuity, single premium annuity, flexible premium annuity, equity indexed annuities, market value adjusted annuities, deferred annuities, immediate annuities, fixed period annuities, lifetime annuities, pure lifetime annuities, qualified annuities, non-qualified annuities, nonqualified annuities, single premium annuities, flexible premium annuities

  • Employment Practices Liability Insurance

    For small and large businesses
  • Directors and Officers Liability Insurance

    For profit and non-profit organizations
  • Product Recall Liability

    For all manufacturersWhole or ordinary life insurance, universal or adjustable life insurance, variable life insurance, variable-universal life insurance, indexed universal life insurance, iul, iuls, equity indexed annuity, market value adjusted annuity, deferred annuity, immediate annuity, fixed period annuity, lifetime annuity, pure lifetime annuity, qualified annuity, non-qualified annuity, nonqualified annuity, single premium annuity, flexible premium annuity, equity indexed annuities, market value adjusted annuities, deferred annuities, immediate annuities, fixed period annuities, lifetime annuities, pure lifetime annuities, qualified annuities, non-qualified annuities, nonqualified annuities, single premium annuities, flexible premium annuities

This coverage’s most important feature is the immediate access to a highly skilled and trained Crisis Assistance Team with locations throughout the world.  Their job is to take action so the local authorities do not make fatal mistakes with the negotiations.Crisis response insurance

Many people and businesses have heard of this type of coverage but have never thought about securing this insurance for themselves. A major reason cited for this is that they never have thought of themselves as a target. Unfortunately, average U.S. citizens and business owners have become more vulnerable due to the current politics and economics of the world. Now you can help protect yourself from what may be a serious event in your life.

This coverage’s most important feature is the immediate access to a highly skilled and trained Crisis Assistance Team with locations throughout the world. Their job is to take action so the local authorities do not make fatal mistakes with the negotiations.

Event Cancellations and Non-appearance Insurance

Concerts, Tours, Conventions, Sporting Events and othersWhole or ordinary life insurance, universal or adjustable life insurance, variable life insurance, variable-universal life insurance, indexed universal life insurance, iul, iuls, equity indexed annuity, market value adjusted annuity, deferred annuity, immediate annuity, fixed period annuity, lifetime annuity, pure lifetime annuity, qualified annuity, non-qualified annuity, nonqualified annuity, single premium annuity, flexible premium annuity, equity indexed annuities, market value adjusted annuities, deferred annuities, immediate annuities, fixed period annuities, lifetime annuities, pure lifetime annuities, qualified annuities, non-qualified annuities, nonqualified annuities, single premium annuities, flexible premium annuities

Professional Athlete High Limit Disability Insurance, College Draft Protection, Player Contract Indemnification, Endorsement Coverage, Racer Cover Disability Insurance, Disability insurance for drivers and crews, Competitive sports, professional racing, Racercover Disability Insurance Plan, Personal Protection, Sponsor Indemnification,  Contract Completion, Team Coverage, Pro Jockey Disability Insurance, Disability insurance for jockeys, Disability insurance for drivers, Disability insurance for trainers, Personal Income Protection, Loss of Endorsements, Links Disability Insurance, Professional golfers, Disability insurance, professional golfer, Touring Professionals, Teaching Professionals, Club Professionals

  • Professional Athlete High Limit Disability Insurance

    Individual coverage for team and individual sport players
    Team sports or individual sports, Petersen International Underwriters offer some of the most competitive and creative solutions to this market. Most professional sports qualify for coverage. College players are also considered for coverage as well.

    Perfect for:
    • College Draft Protection
    • Player Contract Indemnification
    • Endorsement Coverage
    • On and Off the Field
  • Racer Cover Disability Insurance

    Disability insurance for drivers and crews
    Competitive sports demand competitive products. On the fast track of professional racing, The Racercover Disability Insurance Plan takes the checkered flag every time. Race car drivers, motorcycle racers, boat or aircraft racers can secure coverage with options for medical cover, death and dismemberment cover.

    Perfect For :
    • Personal Protection
    • Sponsor Indemnification
    • Contract Completion
    • Team Coverage (Key Person)
  • Pro Jockey Disability Insurance

    Disability insurance for jockeys, drivers and trainers
    Disability insurance for professional horse racing jockeys, drivers and trainers is available from Petersen International Underwriters. Featuring worldwide 24 hour coverage for accident and sickness.

    Perfect for:
    • Personal Income Protection
    • Loss of Endorsements
  • The Links Disability Insurance

    Disability insurance for tour and club pros
    Professional golfers have unique needs when designing a disability insurance estate. Tournament winnings, endorsements, contracts and the cost of business agents all necessitate a comprehensive disability insurance program.

    Disability insurance for the professional golfer including:
    • Touring Professionals
    • Teaching Professionals
    • Club ProfessionalsWhole or ordinary life insurance, universal or adjustable life insurance, variable life insurance, variable-universal life insurance, indexed universal life insurance, iul, iuls, equity indexed annuity, market value adjusted annuity, deferred annuity, immediate annuity, fixed period annuity, lifetime annuity, pure lifetime annuity, qualified annuity, non-qualified annuity, nonqualified annuity, single premium annuity, flexible premium annuity, equity indexed annuities, market value adjusted annuities, deferred annuities, immediate annuities, fixed period annuities, lifetime annuities, pure lifetime annuities, qualified annuities, non-qualified annuities, nonqualified annuities, single premium annuities, flexible premium annuities

Whole or ordinary life insurance, universal or adjustable life insurance, variable life insurance, variable-universal life insurance, indexed universal life insurance, iul, iuls, equity indexed annuity, market value adjusted annuity, deferred annuity, immediate annuity, fixed period annuity, lifetime annuity, pure lifetime annuity, qualified annuity, non-qualified annuity, nonqualified annuity, single premium annuity, flexible premium annuity, equity indexed annuities, market value adjusted annuities, deferred annuities, immediate annuities, fixed period annuities, lifetime annuities, pure lifetime annuities, qualified annuities, non-qualified annuities, nonqualified annuities, single premium annuities, flexible premium annuities

  • Executive 400 Plan Disability Insurance, Bank Loan Lease Indemnification, Severance Agreement, International Employees, Disability Insurance Solutions, Personal Disability, Business Overhead Expense, Buy Sell Funding, Key Person Disability, Bank Loan Lease  Contract Indemnification, Physicians, surgeons, High Limit Disability Insurance, Disability insurance for medical doctors, Dentist High Limit Disability Insurance, Entertainment Disability Insurance, Pilot High Limit Disability Insurance, Top Hat Program, Group High Limit Disability, 401(k) Completion Plan, Business Overhead Expense Insurance, Buy Sell FundingExecutive 400 Plan Disability Insurance

    For executives, lawyers, CPAs and other white collar occupations
    The Executive 400 Plan is a product that has many uses. It provides for supplemental coverage over and beyond the domestic carriers’ issues and participation limits. Issue limits as high as $200,000 per month or more with participation up to 75% of personal income, 100% of BOE expenses and 100% of Buy Sell obligations.

    Other uses include:
    • Key Person Disability
    • Bank Loan / Lease Indemnification
    • Severance Agreement
    • International Employees
  • Disability Insurance Solutions

    For gray and blue collar occupations
    Gray and blue collar workers with personal or business disability needs will find many solutions to their problems of obtaining adequate disability insurances. A person who earns an excellent living by working with their hands is often times limited by traditional carriers as to the amount of disability insurance they can secure. Your problems are over with the Disability Insurance Solutions Plan.

    Perfect for:
    • Personal Disability
    • Business Overhead Expense
    • Buy Sell Funding
    • Key Person Disability
    • Bank Loan / Lease / Contract Indemnification
  • Physicians and Surgeons High Limit Disability Insurance

    Disability insurance for medical doctors
    Physicians and Surgeons know all to well that the traditional disability market is not able to provide adequate amounts of disability insurance. With Physicians and Surgeons High Limit Disability Insurance you can provide supplemental disability coverage for your doctor clients. Monthly benefit amounts as high as $100,000 per month or more.

    Perfect for:
    • Personal Disability
    • Business Overhead Expense
    • Buy Sell Funding
    • Key Person Disability
    • Bank Loan / Lease / Contract Indemnification
  • Dentist High Limit Disability Insurance

    Disability insurance for dentists
    Dentists know all to well that the traditional disability market is not able to provide adequate amounts of disability insurance. With Dentists High Limit Disability Insurance you can provide supplemental disability coverage for your dentist clients. Monthly benefit amounts as high as $100,000 per month or more.

    Perfect for:
    • Personal Disability
    • Business Overhead Expense
    • Buy Sell Funding
    • Key Person Disability
    • Bank Loan / Lease / Contract Indemnification
  • Entertainment Disability Insurance

    For actors, musicians and other people in the entertainment business
    People in the entertainment industry are typically denied adequate disability protection by domestic insurance companies. Entertainment Disability Insurance was created to provide badly needed coverage for actors, musicians, stunt persons, producers, directors and people in other occupations of the entertainment industry.

    Perfect for:
    • Personal Disability
    • Loss of Services Indemnification
    • Contract or Performance Insurance
  • Pilot High Limit Disability Insurance

    For people who earn a living flying
    Pilots have always had a difficult time being insured for disability insurance. This is due in part to the nature of the job and the medical qualifications required to maintain their license. The Pilots Disability Insurance Plan was designed to assist in providing an adequate disability estate for pilots.

    Available for:
    • Commercial Pilots
    • Corporate Pilots
    • Aerial Applicator Pilots
    • Cargo Pilots
    • Helicopter Pilots
    • Firefighting Pilots
  • Top Hat Program

    An automatic issue plan for supplemental coverage
    The Top Hat Program is an automatic issue plan that allows supplemental disability insurance in conjunction with a recently approved, standard issued, fully underwritten non-cancellable policy. Up to an additional $10,000 per month may be issued provided the total in force coverage does not exceed 65% of personal income. Coverage includes own occupation and options for COLA and Residual Disability.
  • Group High Limit Disability

    A guaranteed issue disability plan
    A plan of supplemental disability insurance which goes way beyond the traditional limits of Group LTD and Individual Disability Wraps. Now you can easily accommodate high limits for group carve outs with available monthly benefits as high as $25,000 per month or more in addition to the underlying coverage.

    Perfect for:
    • Executive Groups
    • Physician Groups
    • Attorney Groups
    • CPA Groups
    • Most groups considered
  • 401(k) Completion Plan

    To protect your retirement planning
    Interruptions to the contributions of your retirement plan would seriously reduce your retirement income. The greatest hazard to the ongoing contributions would be a disabling accident or sickness. Now you can protect against this risk with the 401(k) Completion Plan.
  • Business Overhead Expense Insurance

    Business Insurance to Cover Office Expenses
    When traditional carriers limit the amount of Business Overhead Expense Insurance due to occupation or overall maximum limits, this Plan allows for supplemental coverage to be placed on top of the existing coverage.

    This plan may also be used for primary coverage if the traditional market cannot offer any terms due to reasons such as occupation, type of business, medical history, age or place of work. 100% of eligible business expenses can be covered.
  • Buy/Sell Funding
    Business Insurance to protect a buy sell agreement
    The Buy/Sell Funding Plan, which is one of the disability products in our Business Disability Series, offers answers to many disability financial planning problems. When traditional disability carriers limit their benefits to $1 - $2 million dollars, or reduce their benefits when a participant reaches a certain age, or will not even consider issuing coverage beyond a certain age, or cover occupations deemed more hazardous... our Buy/Sell Funding Plan solves these problems and more.

    With issue limits of $20 Million or more, most risks can be considered.

Whole or ordinary life insurance, universal or adjustable life insurance, variable life insurance, variable-universal life insurance, indexed universal life insurance, iul, iuls, equity indexed annuity, market value adjusted annuity, deferred annuity, immediate annuity, fixed period annuity, lifetime annuity, pure lifetime annuity, qualified annuity, non-qualified annuity, nonqualified annuity, single premium annuity, flexible premium annuity, equity indexed annuities, market value adjusted annuities, deferred annuities, immediate annuities, fixed period annuities, lifetime annuities, pure lifetime annuities, qualified annuities, non-qualified annuities, nonqualified annuities, single premium annuities, flexible premium annuities

  • Major Medical, International Major Medical Plan, Foreign Nationals, Travelers, Business visitors, Government employees, Students, Missionaries, Worldwide Major Medical Plan, international citizen, international major medical plan, Bridge Plan, Group International Major Medical, Excess Major MedicalMajor Medical

    Designed for U.S. Nationals outside the U.S.A.
  • The International Major Medical Plan

    Designed for Foreign Nationals traveling to the USA.
    Any foreign national inbound to the United States are prospects for this plan of insurance. Friends, family and business associates visiting the United States are well advised to secure coverage which will cover them for the high costs of health care associated with treatment in the United States.

    Countries with socialized health care do not always reciprocate with the United States.

    Perfect for:
    • Travelers
    • Business visitors
    • Government employees
    • Students
    • Missionaries
  • Worldwide Major Medical Plan

    Designed for the international citizen
    A unique international major medical plan designed specifically for the United States citizen who works or resides outside of the United States, permanently or for extended periods of time. It will provide treatment anywhere in the world, even back home in the United States. This plan truly serves the needs of the global citizen.
  • The Bridge Plan

    Designed for senior age people waiting for Medicare eligibility
    America continues to be the bouillabaisse of the world. The need for proper medical coverage becomes more and more important as America receives thousands of immigrants a year, many of whom are too old for individual coverage and, due to residency status, are not eligible for Medicare. Bridging this gap is The Bridge Plan. It is affordable, effective and necessary for your senior, new U.S. resident citizens.

    Perfect for:
    • New U.S. residents awaiting Medicare eligibility
    • U.S. citizens awaiting Medicare eligibility
    • U.S. Citizens without Medicare Part A or Part B
  • Group International Major Medical

    Designed for groups either inbound or outbound
    This plan of insurance offers flexibility in design for groups in need of international medical insurance. With a minimum group size of 3 it is ideal for business or educational pursuits. A group of foreign nationals visiting the United States for business training, community cultural exchanges, missionary groups, or exchange students are all excellent prospects. Any cluster of people with a common travel plan are considered prospects for Group International Major Medical.
  • Excess Major Medical

    Designed to suppleWhole or ordinary life insurance, universal or adjustable life insurance, variable life insurance, variable-universal life insurance, indexed universal life insurance, iul, iuls, equity indexed annuity, market value adjusted annuity, deferred annuity, immediate annuity, fixed period annuity, lifetime annuity, pure lifetime annuity, qualified annuity, non-qualified annuity, nonqualified annuity, single premium annuity, flexible premium annuity, equity indexed annuities, market value adjusted annuities, deferred annuities, immediate annuities, fixed period annuities, lifetime annuities, pure lifetime annuities, qualified annuities, non-qualified annuities, nonqualified annuities, single premium annuities, flexible premium annuitiesment a domestic health plan

Careers

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Contact Us

Key Freedom Financial & Insurance Services

21661 Brookhurst Street

Suite 389

Huntington Beach, California 92646

714.350.4095

CA License No. 0I03138