Supplemental Insurance

Supplemental Insurance

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Why Supplemental Insurance?

Product portfolios are structured to help families supplement their existing insurance by providing benefits directly to the policyholder to provide additional income to fill gaps created by traditional insurance and unexpected expenses.

  • Our policies have a Return of Premium feature, which means, if you never have a claim, you can receive your premiums back after the state mandated time period.
  • Our policies are guaranteed renewable, you cannot be cancelled.
  • Your benefits are paid DIRECTLY TO YOU, unless you instruct us otherwise.
  • Your benefits are paid IN ADDITION to any other insurance you have.
  • Your coverage is GUARANTEED RENEWABLE for life – only you can cancel.
  • Your benefits are NEVER REDUCED.
  • Your Premium DOES NOT INCREASE with age.
  • You CANNOT BE SINGLED OUT for a rate increase. Your rates can be increased only if they are increased for all plans of this kind in your state.

Supplemental Cancer Policy

Cancer impacts millions of Americans each year, and millions more are left feeling overwhelmed when the disease strikes a family member. While the patient must face the days, weeks or months of exhausting treatment, the family members caring for the patient often have their own battle to face – the challenges that can arise from insufficient health insurance coverage. Our goal is to help free patients and their families from the worry and anxiety of dealing with these challenges. Our Supplemental Cancer plans pay benefits directly to our policyholders to help manage financial necessities that arise along the way.
Policy Benefits:
  • First Occurrence
    • Internal Cancer
    • Skin Cancer
  • Hospitalization
  • Ambulance
  • Radiation Planning
  • Radiation and Chemotherapy
  • Self-Administered Chemotherapy
  • Special Treatment
  • Surgery and Anesthesia
  • Reconstructive Breast Surgery
  • Second Surgical Opinion
  • Bone Marrow Transplant and Donor
  • Wellness Benefit
  • Hospice
  • Patient Transportation and Family Member Transportation
  • Family Member Lodging

This insurance may not be available in all states and where available, benefits will vary. Benefits are for cancer only. Please see your BDLife212° Representative for cost and complete details including any exclusions and limitations that may affect your benefits.

Policy Information

Click on you state to view policy information

Intensive Care Policy

Severe illness or injury often strikes without warning and can require a stay in the intensive care unit. Our ICU coverage is designed specifically for this type of hospital stay and can provide benefits for confinements in a hospital intensive care unit for any covered illness or accident.

Policy Benefits:
  • Intensive Care Unit Confinement (Benefit doubles if confinement is due to a vehicular accident)
  • Step Down Unit
  • Ambulance
  • Air Ambulance
  • Accidental Death

This insurance may not be available in all states and where available, benefits will vary. Benefits are for ICU confinement only. Please see your BDLife212° Representative for cost and complete details including any exclusions and limitations that may affect your benefits.

Policy Information

Click on your state to view policy information

Heart Attack/Stroke Policy

The number of people suffering from heart attacks and strokes is historically high and expected to rise, even as the medical community pursues more effective prevention and diagnostic measures to eradicate these diseases. Our Life Heart Attack and Stroke Plan has benefits specifically geared toward containing the out-of-pocket costs associated with a heart-related illness.

Policy Benefits:
  • First Occurrence
  • Hospitalization
  • Ambulance
  • Surgery & Anesthesia
  • Healthy Heart Benefit
  • Patient & Family Member Transportation
  • Family Member Lodging
  • Physical Therapy
  • Heart Transplant

This insurance may not be available in all states and where available, benefits will vary. Benefits are for heart disease, heart attack and stroke only. Please see your BDLife212° Representative for cost and complete details including any exclusions and limitations that may affect your benefits.

Policy Information

Click on your state to view policy information

Hospital Indemnity Policy

Whether planned or unplanned, a hospital stay can be stressful for both the patient and family. The deductibles, coinsurance, and copayments can be confusing and often leave you paying out-of-pocket for more than you planned. Our Hospital Indemnity plan is designed specifically to help offset those out-of-pocket expenses when you or a family member has a hospital stay. And, like all our products, benefits will be paid directly to you, regardless of your other coverage. 

This insurance may not be available in all states and where available, benefits will vary. Please see your BDLife212° Representative for cost and complete details including any exclusions and limitations that may affect your benefits.

Policy Information

Click on your state to see policy information.

Accident Policy

While none of us can predict when an accident will occur, we can certainly be prepared for them. We encourage our customers to “expect the unexpected” and help protect themselves with our Accident plans that can provide coverage for the bodily injuries that can result from life’s accidents. Because when these unplanned events occur, you want to focus on what is most important – getting well.

Policy Benefits:
  • Hospitalization
  • Physical Therapy
  • Ambulance
  • Surgery & Fractures
  • Emergency Treatment, Lacerations
  • Accidental Death
  • Dismemberment
  • Significant Diagnostic Scans
  • Observation Room
  • Dislocation
  • Concussion / Coma

This insurance may not be available in all states and where available, benefits will vary. Benefits are for injuries sustained in an accident only. Please see your BDLIfe212° Representative for cost and complete details including any exclusions and limitations that may affect your benefits.

Policy Information:

Click on your state to view policy information