Supplemental Insurance

The Chesapeake Life Insurance Company is a specialist provider of Supplemental Insurance solutions for independent agents and brokers. We offer a broad portfolio of products designed to enhance clients’ primary health coverage and reduce out-of-pocket exposure. Our supplemental plans are available in 46 states and the District of Columbia and are intended to provide financial protection during illness, injury, or hospitalization.

Comprehensive Coverage That Complements Existing Health Plans

Chesapeake Life’s supplemental products include dental, vision, accident, critical illness, cancer, and hospital indemnity coverage. These options help fill the gaps left by high-deductible major medical plans and provide straightforward benefits that clients understand and value.

With the rise of high-deductible health plans, supplemental coverage is increasingly important. Our products are built to be simple to explain, quick to sell, and meaningful to clients. Whether you place business for individuals, families, or self-employed professionals, Chesapeake Life gives you practical tools to round out a client’s benefits package.

Ideal Accounts and Appetite

Chesapeake Life’s supplemental products are a strong fit for agents working with clients who need to reduce medical cost risk quickly and affordably. Ideal accounts include:

• Individuals and families enrolled in high-deductible health plans seeking predictable benefits
• Self-employed professionals, gig workers, and contractors without group coverage
• Employees or groups looking to add voluntary dental, vision, or hospital indemnity benefits

We typically underwrite straightforward, standard-risk business. Accounts with complex medical histories or needs that require major medical underwriting may not fit this program.

Coverage Highlights

• Accident and critical illness coverage to help manage unexpected medical costs
• Hospital indemnity plans that offset out-of-pocket hospitalization expenses
• Dental and vision options to support routine and preventive care
• Flexible benefit tiers that allow customization to client budgets

Ease of Doing Business

Agents benefit from a streamlined quoting and application workflow. Our unified digital platform lets you quote, apply, and bind across supplemental lines using one “smart app.” Most policies issue within one business day, helping you close sales faster and improve client service.

Territories and Availability

Chesapeake Life’s supplemental insurance is available in 46 states and the District of Columbia, including major markets such as CA, TX, FL, NY, and IL. Please check state-specific availability and product filings before submitting business.

Why Work With Chesapeake Life Insurance Co?

We focus on supporting independent agents with ongoing training, producer-friendly service, and a dedicated Sales Director for onboarding and business development. Our producer support team and online portal give you the resources to quote, place, and manage business efficiently.

Example scenarios you might place through this program:

• An individual on a high-deductible health plan who wants a hospital indemnity policy to cover daily hospital costs and reduce savings depletion.
• A self-employed contractor seeking a low-cost dental and vision package to mirror benefits they previously had through an employer.

If you’re ready to expand your portfolio with high-demand supplemental products, start the appointment process here: http://surebridgeinsurance.com/get-appointed