Special Needs Insurance

Guaranteed Issue (Pre-Existing)—limited insurance coverage for individuals who cannot qualify for major medical insurance due to a pre-existing condition. There is no medical underwriting.

Maternity—insurance can be purchased in conjunction with a limited number of major medical plans and usually does not exist as a stand-alone product. All major medical plans have waiting periods for maternity coverage.

Special Risk Disability—individuals that do not qualify for disability may apply for our special risk disability insurance that has less stringent underwriting. Disability insurance is insurance coverage that pays when you are unable to work for an extended period because of an injury or other medical condition.