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Overview — Home Health Care Insurance from AFC Insurance Inc. AFC Insurance Inc. offers a dedicated Home Health Care Insurance program designed for independent agents and brokers who place coverage for skilled and non-skilled home health providers. As a program administrator working with multiple markets, AFC provides placement options across a broad set of states with flexible package and liability solutions to address the exposures common to home health, visiting nurse, hospice, staffing and related services. Ideal Accounts and Appetite This program targets a wide range of home and community care operations, including: Home health care agencies (skilled and non-skilled) Visiting Nurses Associations (VNA) and hospice providers Nurse registries, medical staffing firms, and staffing agencies Programs serving Traumatic Brain Injury (TBI) clients Typical accounts are small to medium sized agencies, operations that use volunteers or independent contractors (endorsements available), and firms that require combined general and professional liability. Appetite is selective for larger or higher-frequency loss operations; underwriters will evaluate staffing models, credentialing and claims history. Key Coverages and Advantages Package policies combining General Liability, Professional Liability and optional Property Endorsements to add Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Extended Coverage Endorsement with Blanket Additional Insured Umbrella/excess liability and Abuse & Molestation coverage Auto coverage available with some restrictions Because AFC works with several carriers, you can often match accounts to differing limits, forms and pricing profiles. The program is geared to help manage clinical exposures, abuse & molestation risk, vicarious liability from contractors and volunteers, and the operational risks of in-home care. Underwriting Notes Underwriting is provider- and operation-specific. Typical submission requirements include a completed application, current loss runs (usually 3–5 years), a description of services offered, staffing and supervision ratios, credentials and background check policies, and copies of contract language for third-party relationships. Minimum premium: Varies by carrier and state. Ineligible or Restricted Operations The program excludes certain operations or places them on a restricted basis. Examples include (but are not limited to): adoption agencies that perform more than 25% of operations, assisted living/senior living facilities, birthing centers, foster care agencies, psychiatric hospitals, correctional facilities, housing authority/public housing operations, operations involving sex offenders or violent youth lockdowns, standalone special events and certain overnight youth programs. Territories and Availability Availability: Most Available States. AFC’s Home Health Care Insurance program is available in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Carriers: Varies by account and state; AFC places business across multiple admitted and non-admitted markets as appropriate. Why Place This Business with AFC Insurance Inc.? Program administrator experienced in home health and social services risks. Access to multiple carrier options and endorsements tailored for volunteers and contractors. Flexible package solutions that let you combine professional and general liability with property, auto and umbrella coverages. Underwriting that balances clinical exposure review with practical placement options for small and mid-size providers. Sample Account Scenarios A small home health agency with 10 aides providing ADL assistance and medication reminders. They need general and professional liability with abuse & molestation coverage and an endorsement for independent contractors. This program can provide a package policy with the requested endorsements. A regional hospice organization with visiting nurses and several contract therapists that require blanket additional insured status for contracted services and an umbrella layer. AFC can help place primary liability, professional liability and umbrella capacity across its carrier panel. Frequently Asked Questions What types of accounts are a good fit for AFC’s Home Health Care program?Small to mid-sized home health agencies, nurse registries, VNAs, hospice providers, staffing firms and organizations serving TBI clients are ideal. The program supports operations that need combined general and professional liability and endorsements for volunteers or contractors. Which operations are typically ineligible?Operations such as assisted living facilities, psychiatric hospitals, foster care agencies, correctional facilities, programs managing sex offenders or violent youth lockdowns, stand-alone special events, and adoption agencies with over 25% of operations are generally excluded or restricted. What submission materials help speed placement?Provide a completed application, 3–5 years of loss runs, a narrative of services, staffing and supervision details, credentialing/background check policies, and copies of contracts with any third parties requiring additional insured status. Is coverage available in my state and are admitted options offered?The program is available in most states listed in the Territories section. AFC places business with different carriers, so admitted versus non-admitted availability depends on the state and carrier; underwriting will confirm the best placement for each account. Need help placing an account? Connect with a market specialist.

M.J Hall & Company now offers Residential Living Facilities Insurance! M. J. Hall and Company, Inc., a wholesale Excess & Surplus Lines broker, places tailored liability and professional liability coverage for residential living facilities across Alaska, Arizona, California, Hawaii and Nevada. We provide markets for Personal Care Homes, Independent Living facilities, Assisted Living (including memory care/Alzheimer’s), and select Skilled Nursing accounts. Program overview Our Residential Living Facilities Insurance program combines professional liability and general liability capacity from various A&S carriers. Coverage is designed to address the unique exposures of resident care, billing and privacy risks, staffing issues and allegations of abuse or neglect. We can place occurrence-form general liability and a range of optional enhancements to match facility operations and risk profiles. Ideal accounts and appetite Personal care homes, assisted living and independent living facilities of small to medium size. Memory care/Alzheimer’s units where the operator maintains documented policies and staff training. Selected skilled nursing facilities with straightforward medical services and manageable resident acuity. Accounts with robust staffing practices, formal policies for medication and resident care, background checks, and loss-control documentation fit best. Applicants that routinely provide high-acuity hospital-level care or complex tertiary medical services may be referred or declined. Coverage highlights and advantages Professional Liability and General Liability available. Optional coverages—and endorsements—include Claims Expenses (Defense Outside Limits), Hired & Non-Owned Auto Liability, Sexual Misconduct, Billing Errors, Disciplinary Proceedings, Employee Benefits Liability, Employee Theft, Evacuation Expense, First Dollar Defense, HIPAA, Legal or Media Expense, Privacy Reimbursement, Punitive Damages and TRIA. General Liability can be written on an occurrence form, which is attractive for long-term exposure management. Access to multiple E&S carriers through M.J. Hall’s wholesale relationships, which helps find capacity for harder-to-place risks. Underwriting notes Underwriters focus on resident acuity, staffing ratios and training, written policies (medication, restraint, infection control), background screening, and documented risk management. Loss history, alleged incidents, regulatory actions, and any licensing or disciplinary issues are key factors in pricing and term decisions. Copies of policies and procedures, claims run-lists, and current payroll/occupancy information speed review and improve placement options. Territories and placement This program is offered through Excess & Surplus Lines placements and is available in AK, AZ, CA, HI and NV. We work with a variety of carriers to provide flexible solutions where admitted markets may be limited. Why place this business with M.J. Hall & Company Wholesale E&S broker with focused access to carriers writing residential care risks. Ability to package professional and general liability coverages with optional endorsements tailored to facility exposures. Responsive underwriting intake and guidance on risk-improvement steps that improve acceptance and terms. Example scenarios You might have a 40-bed assisted living community with a dedicated memory care wing seeking combined professional/general liability and HIPAA/privacy protection—this program can be quoted with sexual misconduct and disciplinary proceeding coverage options. Or a family-owned independent living facility looking for occurrence-form GL and employee theft limits to protect resident funds could be a good fit for our markets. Our agents are ready to review submissions and discuss risk placement strategies for your residential living facility clients—contact M.J. Hall to start a submission. Frequently Asked Questions What types of accounts are a good fit for this program?Small to medium-sized personal care homes, assisted living and independent living facilities, plus memory care units. Select skilled nursing facilities with limited high-acuity medical services may also qualify. Facilities should have documented policies, staff training and basic loss-control practices. Which coverages and optional endorsements are available?The program offers Professional Liability and General Liability (occurrence form available) with optional endorsements such as HIPAA/privacy reimbursement, sexual misconduct, disciplinary proceedings, billing errors, employee theft, hired/non-owned auto, first dollar defense and more. Availability varies by carrier and state. Is this placed on an admitted or non-admitted basis?Coverage is placed through Excess & Surplus Lines (non-admitted) markets. We write business in AK, AZ, CA, HI and NV using our carrier panel. What underwriting information should I include with a submission?Provide current applications, facility policies (medication, infection control, restraints), staff training and background check procedures, occupancy and payroll, and a 5-year loss run or claims summary. Complete information helps expedite quotes and uncovers opportunities for favorable terms. Need help placing an account? Connect with a market specialist.

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Overview — Access E&S Insurance Services: Home Healthcare Providers Professional/General Liability Access E&S Insurance Services offers a specialized excess & surplus lines placement program for home healthcare providers seeking Professional and General Liability coverage. This program is designed for agents who need flexible underwriting for in-home care operations that may not fit admitted market appetite. With access to various carriers and markets, Access E&S helps independent agents place accounts in AZ, CA, CO, NV, TX and WA. Who this program is built for Private-duty and companion care agencies Home health aides and personal care attendants Skilled home nursing and LPN/RN services Home infusion and medication administration services (select risks) Hospice support, palliative care, and post-acute in-home care Ideal Accounts and Appetite This program targets insureds that deliver clinical and non-clinical services in the client’s home and require both professional liability (medical malpractice/errors & omissions) and general liability protection (premises, operations, bodily injury). Ideal accounts typically have: Established procedures for medication administration and infection control Background checks and training programs for caregivers Moderate payroll and patient census appropriate for in-home operations Loss histories without frequent or high-severity professional liability verdicts Accounts with aggressive risk management and documented clinical oversight are strong candidates. The program can accommodate harder-to-place classes that need E&S solutions, but it is less likely to accept accounts with active regulatory investigations, repeated severe claims, or unmanaged high-risk services. Coverage Highlights and Advantages Combined Professional (E&O) and General Liability solutions tailored to home care exposures Non-admitted placement options through E&S markets when admitted coverage is unavailable Flexible limits and endorsement options to align with contract requirements and facility agreements Underwriting that considers clinical protocols and documented quality controls, not just loss count Access to multiple carriers to improve chances of placement for complex or high-exposure risks Underwriting Notes and Minimum Premiums Underwriters evaluate staffing ratios, caregiver training, screening practices, clinical oversight, and written policies for medication/error prevention. Useful submission items include: Currently valued loss runs (preferably 3–5 years) Sample caregiver training and screening protocols Policy and procedure manuals for clinical care and infection control Revenue or payroll breakdown by service type Minimum premium: Varies by carrier and state. Because Access E&S places business across multiple markets, minimums are determined per-carrier and per-risk; provide a complete submission to obtain accurate pricing. Territories and Availability Availability: AZ, CA, CO, NV, TX, WA. This program is offered primarily through excess & surplus lines markets; some admitted options may be available depending on carrier and state regulatory allowances (Most Available Markets). Coverage availability and terms vary by state. Why Work With Access E&S on Home Healthcare Business Wholesale E&S broker expertise focused on hard-to-place professional and general liability risks Access to multiple carriers to increase placement success for nuanced in-home care operations Underwriters experienced with the clinical and operational exposures unique to home health Practical submission guidance to speed review and provide clearer quotation outcomes Example scenarios: You have a midsize private-duty agency that provides skilled nursing and home infusion in two states and needs professional liability plus GL limits to satisfy hospital partner contracts — this program can evaluate clinical controls and pursue E&S carriers when admitted options are limited. You represent a companion-care agency with a recent minor medication error but strong corrective action and training documentation — Access E&S can present the loss context and risk controls to multiple markets for placement consideration. Frequently Asked Questions What types of home health accounts fit this program?This program fits private-duty agencies, skilled home nursing, hospice support, companion care, and some home infusion risks that can demonstrate training, background screening, and written clinical protocols. High-severity or actively regulated accounts are usually not a fit. Is this admitted or non-admitted coverage?Access E&S primarily places through excess & surplus (non-admitted) markets when admitted options are unavailable. Some admitted solutions may be accessible depending on carrier and state; availability is determined per submission (Most Available Markets). What submission materials speed up placement?Provide current loss runs, payroll or revenue by service, copies of caregiver screening and training policies, and your client’s infection control/medication administration procedures. Complete submissions receive faster and more accurate quotes. Need help placing an account? Connect with a market specialist.

Amwins Underwriting - Healthcare D&O Program Longest-standing D&O program in existence Program highlights: 50+ years in business 20+ years with the same carrier (rated "A++") Available nationwide Limits up to $10M Coverage: D&O EPLI Cyber Primary and excess Target accounts include: Hospital/Health systems Eldercare facilities (SNF, ALF, CCRC) Clinics/Physician groups (all specialties) Behavioral and mental health Ambulatory surgery centers Medical testing facilities Hospice/Home health care Drug/Alcohol dependency facilities Blood/Organ collection center Physical rehabilitation facilities Ineligible accounts: Publicly traded entities Multi-state health care chains HMO/health plans Managed care organizations To learn more about our program, please visit our website. Overview — Amwins Underwriting Healthcare Management Liability Amwins Underwriting’s Healthcare Management Liability Insurance program offers long-standing, admitted capacity for executives and management teams in the healthcare sector. Designed for hospitals, clinics, eldercare providers and other healthcare-focused organizations, the program combines directors & officers (D&O) protection with supplemental coverages such as EPLI and cyber. With 50+ years in business and more than 20 years with the same A++ carrier, this program is positioned to handle routine and complex management liability needs nationwide. Ideal Accounts and Appetite Hospital systems, community hospitals and regional health networks Eldercare providers: skilled nursing facilities (SNF), assisted living (ALF) and continuing care retirement communities (CCRC) Clinics and physician groups across specialties Behavioral and mental health providers, ambulatory surgery centers, testing labs, hospice and home health agencies Smaller non-profit and private healthcare facilities seeking admitted D&O capacity Accounts with stable governance, clear compliance programs, and established risk management practices are a particularly good fit. The program is not intended for publicly traded firms, multi-state health care chains, HMOs, health plans, or managed care organizations. Coverage Highlights & Advantages Primary and excess D&O limits up to $10 million Packageability—add EPLI and cyber cover where appropriate to create a consolidated management liability solution Admitted paper in most states, simplifying procurement and compliance for many insureds Longstanding carrier relationships that support stable pricing and consistent underwriting Underwriting Notes & Minimum Premiums Underwriting focuses on the quality of governance, claims history, regulatory exposure, and the facility’s operational controls. Financial condition and management experience will influence terms and available limits. Minimum premium varies by class, size and state—refer to Amwins Underwriting for specific minimums and submission requirements. Territories & Availability Available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Positioning is primarily on admitted paper where offered—confirm availability state-by-state for your placement. Why Place This Business With Amwins Underwriting Program longevity and carrier stability that agents can rely on for renewals and continuity Flexible structure—ability to write primary or excess layers and combine EPLI and cyber coverage Dedicated underwriting with healthcare specialty expertise to help place complex or sensitive accounts National footprint that supports regional and single-state healthcare clients Example placements: you might have a 150-bed community hospital seeking admitted D&O limits with EPLI and cyber endorsements, or an assisted living community looking for a consolidated management liability program up to $5M—both are within this program’s typical appetite when governance and controls meet underwriting guidelines. Frequently Asked Questions What types of healthcare accounts are a good fit for this program?Mid-market hospitals, physician groups, eldercare facilities (SNF/ALF/CCRC), ambulatory surgery centers, behavioral health providers, hospice/home health and medical testing facilities that have stable governance and standard compliance practices. Can I bind admitted coverage in my state?The program offers admitted paper in most states. Availability is state-dependent—confirm admitted status for a specific state with Amwins Underwriting prior to binding. Does the program combine D&O with EPLI and cyber?Yes. The program can be structured to include D&O with EPLI and cyber where appropriate, on either a primary or excess basis, allowing you to present a consolidated management liability solution. What accounts are ineligible?Publicly traded entities, large multi-state healthcare chains, HMOs/health plans and managed care organizations are outside the program’s appetite. Where do I submit a deal or get underwriting requirements?Use your usual Amwins Underwriting contact or the program page linked above for submission guidelines and the latest underwriting checklist. Underwriting will request financials, governance information and claims history as part of the standard review. Need help placing an account? Connect with a market specialist.

Home Medical Equipment Dealers Insurance from AFC Insurance Inc. AFC Insurance Inc. offers a focused Home Medical Equipment Dealers Insurance program through its Health & Human Services (H&HS) platform. This program is built for agents placing durable medical equipment (DME) dealers — businesses that sell, rent, deliver, install, or service mobility and respiratory equipment for patients receiving care at home. Ideal Accounts and Appetite This program targets Home Medical Equipment Dealers and DME providers of varying sizes. Typical fits include storefront retailers, regional suppliers with delivery fleets, and independent dealers who service home-bound or elderly patients. Good-fit examples: A regional DME supplier with multiple retail locations, delivery drivers, and in-house repair techs. An independent dealer that sells mobility aids and provides home delivery, setup, and periodic maintenance for elderly clients. A small rental-focused company supplying hospital beds and oxygen concentrators to hospice or home health patients. Operations that typically do not fit under the broader H&HS program include Assisted Living Facilities, Birthing Centers, Correctional Facilities, Psychiatric Hospitals, and Adoption Agencies that represent more than 25% of operations. Review the full ineligibility list before submission. Coverage Highlights and Advantages AFC's program offers broad liability and property solutions tailored to the exposures common in the DME industry. Key coverages and options include: General Liability and Professional Liability designed for product sales, rentals, and service work Package policies that can include Property and Auto (subject to carrier restrictions) Umbrella Liability options for excess protection Abuse & Molestation coverage where applicable Endorsements and enhancements such as: Volunteers & Independent Contractors treated as insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Underwriting Notes and Minimum Premiums Underwriting evaluates account size, revenue composition (sales vs. rental vs. service), fleet exposure, and loss history. Minimum premiums vary by carrier, state, and risk characteristics; AFC works with multiple markets to provide competitive terms and flexible retentions for appropriate risks. Prepare submissions with details on revenue by class, vehicle schedules, employees performing installations, and any service protocols to speed review. Territories and Availability The program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Coverage is admitted in most available states, providing agents access to admitted paper where required. Why Work With AFC Insurance Inc.? As a Program Administrator focused on Health & Human Services niches, AFC combines underwriting expertise with access to multiple carrier partners. Agents receive market-specific guidance, flexible endorsements tailored to DME exposures, and responsive submission support to place complex accounts. If you have clients in the DME space who need admitted capacity, tailored liability forms, or package solutions that include property and auto, AFC is positioned to help you place and service that business. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that sell, rent, or service durable medical equipment — including storefront retailers, companies that deliver and install equipment at patients' homes, and rental-focused suppliers — are ideal. Mobility equipment dealers, oxygen suppliers, and in-home device vendors are common examples. Are there any operations that are not eligible?Yes. Ineligible operations under the H&HS platform include Assisted Living Facilities, Birthing Centers, Psychiatric Hospitals, Correctional Facilities, and Adoption Agencies when they represent more than 25% of operations, among others. Confirm eligibility before submitting. What coverages are included in the Home Medical Equipment Dealers Insurance program?The program offers General and Professional Liability, package policies that may include Property and Auto (with carrier restrictions), Umbrella options, Abuse & Molestation coverages where applicable, and optional endorsements like Key Employee Replacement and Blanket Additional Insured. Is this program admitted or non-admitted?This program is admitted in most available states, giving agents access to admitted capacity for clients in jurisdictions where admitted paper is preferred or required. Which states is this program available in?The program is available in most U.S. states, including major markets such as CA, FL, TX, and NY. Refer to the full state list in the program details for availability by state. Need help placing an account? Connect with a market specialist.

Caitlin Morgan Insurance Services offers a focused program to help agents and brokers place coverage for a wide range of miscellaneous healthcare facilities. With access to multiple carriers and availability in all 50 states, this program addresses the distinct liability and operational risks found in non-hospital healthcare settings. Whether the account is a single-location specialty clinic or a multi-site outpatient network, Caitlin Morgan provides underwriting expertise and market access to help secure appropriate solutions. Ideal Accounts and Appetite This program targets healthcare-related facilities that typically fall outside traditional hospital or physician-office classifications. Examples of target facilities include: Diagnostic Radiology Weight Loss Dialysis Substance Abuse Bariatrics Women's Health Cancer Research Outpatient Care Community Health Surgi-Centers Fertility Medical Spas Lasik Hospice Birthing Centers Blood/OPO/Tissue Banks Disease Management Pharmacies/Drug Wholesalers Medical Rehabilitation Dental Clinics Telemedicine Prescription Benefit Management Companies These facilities frequently face complex liability exposures because of the procedures performed and the variety of professionals on staff. The program accommodates both smaller single-site operations and larger, multi-location practices, with flexibility to consider diverse specialty mixes. Coverage Highlights and Advantages Professional Liability $1M/$3M standard limits available (higher limits considered) Deductible options starting at $0 Minimum premium typically starts at $2,500 Coverage available for employed physicians Pure claims-made form with prior acts coverage (broader than claims-made-and-reported) Defense costs available either inside or outside policy limits General Liability $1M/$3M standard limits available Separate limits for general and professional liability General liability is offered only when packaged with professional liability under this program Underwriting Notes and Minimum Premiums The program generally requires a minimum premium of $2,500; deductibles can begin at $0 depending on the carrier and risk profile. Underwriters evaluate each submission on its individual exposures, including services provided, staffing, procedures performed, location, and claims history. Caitlin Morgan can tailor limits and endorsements to meet unique client needs where markets will allow. Territories and Availability This program is available in all 50 states, including Washington D.C. Caitlin Morgan works with a range of admitted and non-admitted carriers to secure solutions appropriate to the client’s location and risk characteristics. Why Work With Caitlin Morgan Insurance Services? As a wholesale broker with deep experience in niche healthcare programs, Caitlin Morgan provides market access and underwriting insight agents can rely on. Their team understands the exposures of outpatient and specialized care facilities and works directly with producers through the submission and placement process. Example fits you might see: you may have a client operating a multi-site dialysis and outpatient infusion practice that needs professional liability with employed-physician coverage; or a startup telemedicine provider requiring professional liability limits and tailored prior acts protection. In both situations Caitlin Morgan can help package the right markets and policy forms. Contact: Linda WinzenreadP: (800)723-7475, Ext.241 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program fits outpatient centers, specialty clinics, and healthcare service providers such as diagnostic labs, dialysis centers, medical spas, and substance abuse treatment facilities. Can employed physicians be included in the coverage?Yes. Professional liability coverage can include employed physicians working in the insured facility, subject to underwriting review. Is general liability coverage available as a standalone option?No. General liability under this program is only offered when packaged with professional liability coverage. What is the minimum premium for this program?The program’s minimum premium typically starts at $2,500. Final premiums depend on the facility’s operations, limits, and carrier terms. In which states is this program available?This program is available in all 50 states and Washington D.C., with admitted and non-admitted options used as appropriate for the risk and location. Need help placing an account? Connect with a market specialist.

The statistics are staggering — one out of two men and one out of three women will face cancer in their lifetime. As an insurance professional, you know how devastating a cancer diagnosis can be—not just emotionally, but financially. The Cancer Expense Protection program from Assurity Life Insurance Company offers your clients a valuable safety net that can help them manage the high costs associated with cancer treatment. Comprehensive Cancer Expense Coverage The Assurity at Work Cancer Expense Plan provides a broad range of benefits to help insureds cover the costs of both immediate and ongoing treatments. Coverage extends beyond cancer to include 30 dread diseases, offering expanded protection for individuals and families alike. A Family Rider is available to include a spouse and/or eligible children under one policy, enhancing the plan’s value for households seeking comprehensive coverage. Ideal Clients and Use Cases This plan is ideal for employers looking to offer voluntary benefits, or individuals seeking supplemental cancer insurance. You might have a small business client who wants to provide added protection for their employees, or an individual client with a family history of cancer. Coverage is available to employees aged 18 to 69 and is guaranteed renewable, providing long-term peace of mind. Coverage Features and Available Benefits The policy includes a wide array of benefits designed to support clients throughout their treatment journey: Hospital Indemnity Prescription Drugs and Medicines Surgical Benefit and Anesthesia Radiation, Chemotherapy, or Immunotherapy Experimental Treatment Bone Marrow Transplant for Cancer Transportation and Lodging Benefits Private Duty Nurse and Home Health Care Services Outpatient Positive Diagnostic Testing and Surgery Skin Cancer and Breast Cancer-related Benefits Hospice, Ambulance, and Extended Care Facility Hairpiece Benefit and Durable Medical Equipment Professional Mental Health Consultation Waiver of Premium and Extended Benefits Available Riders To further tailor the coverage, several optional riders are available: Family Rider Cancer Only Hospital Intensive Care Rider Intensive Care Unit Rider Internal Cancer First Occurrence Benefit Rider Return of Premium Rider First Hospital Admission Rider Underwriting and Program Details Employee Issue Ages: 18 – 69 Guaranteed Renewable This plan is not eligible for the Guarantee to Issue Program Offered on a non-admitted basis Program Availability This Cancer Expense Protection plan is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With Assurity Life Insurance Company Assurity Life Insurance Company brings decades of experience in individual and worksite benefits. Their Cancer Expense Protection plan is thoughtfully designed with both flexibility and comprehensive coverage in mind. Agents and brokers benefit from Assurity’s responsive support, robust plan features, and optional riders that let you build coverage packages tailored to your clients' unique needs. Whether you’re helping a small business enhance its employee benefits package or assisting an individual seeking extra protection, Assurity's Cancer Expense Protection plan is a strong solution for managing the financial impact of a cancer diagnosis. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for small to mid-sized employers offering voluntary benefits, as well as individuals and families looking for supplemental cancer coverage. Can dependents be added to the policy?Yes, the Family Rider allows you to add a spouse and/or eligible children to the coverage. Is this plan available in all states?The Cancer Expense Protection plan is available in most U.S. states. Please refer to the state list provided or contact Assurity for state-specific availability. What are the employee eligibility requirements?Employees must be between the ages of 18 and 69 to apply for coverage under this plan. Is this an admitted or non-admitted product?This Cancer Expense Protection plan is offered on a non-admitted basis. Need help placing an account? Connect with a market specialist.