Flexible Protection for Life’s Unexpected Moments
FlexBenefits offers smart, supplemental insurance options to help you handle the financial impact of accidents, illness, and unexpected healthcare needs. Whether you’re self-employed, planning retirement, or just want added protection, our plans are tailored to help you manage out-of-pocket costs and protect your savings.
Flex Fuel
Built for working individuals and families who need affordable first-dollar accident protection.
- Accident Medical Expense: $2,000–$10,000 annually ($250 deductible)
- Disability Income: $500–$1,000 per week
- Accidental Death: $25,000
- Critical Illness: Not included
- Sickness Benefits: Not included
Career Pro
Smart coverage for professionals who want added protection beyond their employer plans.
- Accident Medical Expense: $5,000–$20,000 ($250 deductible)
- Disability Income: $500–$1,000 per week
- Accidental Death: $25,000
- Critical Illness: $7,500–$20,000
- Sickness Indemnity: Not included
Independent Pro
Serious protection for entrepreneurs and independent contractors who can’t afford financial downtime.
- Accident Medical Expense: $5,000–$20,000 ($250 deductible)
- Disability Income: $500–$1,000 per week
- Accidental Death: $25,000
- Critical Illness: $10,000–$20,000
- Sickness Indemnity: Hospital ($500–$1,000/day), Office/Urgent ($50–$100/day), ER ($100–$400/day)
Early Retiree
Coverage designed for those bridging the gap between employer benefits and Medicare eligibility.
- Accident Medical Expense: $2,500–$20,000 ($250 deductible)
- Accidental Death: $25,000
- Critical Illness: $7,500–$20,000
- Sickness Indemnity: Hospital ($250–$1,000/day), Office/Urgent ($50–$125/day), ER ($100–$250/day)
Senior Advantage
A powerful complement to Medicare for retirees seeking peace of mind.
- Accident Medical Expense: $3,000–$5,000 annually, no deductible
- Accidental Death: $25,000
- Critical Illness: $7,500–$20,000
- Sickness Indemnity: Hospital ($250–$500/day), Office/Urgent ($50–$125/day), ER ($100–$200/day)
What Our Coverage Includes
- Accident Medical Expense Insurance: Covers medical bills from accidents including ER visits, surgeries, rehab and more
- Disability Income: Weekly cash benefit when an accident prevents you from working
- Accidental Death & Dismemberment: Lump sum payment to help with final expenses and family support
- Sickness Indemnity Riders: Fixed cash for sick visits, hospital stays, ER trips, or surgeries (not available in KS, MI, MT, TN, TX)
- Critical Illness Insurance: Lump sum benefits for heart attack, stroke, cancer, organ transplant, and more
- Product Brochure
Product benefits and availability may vary by state. See brochure for additional details and products.
