New Benefit Plans — Coverage Without the Barriers
An alternative path to protection for individuals and families who've been declined, are between jobs, or simply want more flexible, affordable coverage options.
What Makes These Plans Different?
Traditional underwriting can leave many people without coverage — due to pre-existing conditions, income gaps, or complex application processes. Our new benefit plans are designed as a direct alternative: simplified enrollment, no medical exam, and real benefits that activate quickly.
Core Plans Overview
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Essential Shield Plan
Your first layer of protection
Designed for individuals and families who need immediate, no-hassle coverage. The Essential Shield Plan provides hospital indemnity, accident benefits, and critical illness lump-sum payments — no medical exam, guaranteed acceptance for eligible applicants.
- Guaranteed acceptance (ages 18–64)
- Hospital indemnity: up to $500/day
- Accident benefit: up to $5,000
- Critical illness lump sum: $10,000
- Coverage begins in 30 days
Best for
Individuals between jobs, gig workers, or those declined elsewhere
Starting from
$15.99
/month
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Why Choose an Alternative Plan?
Declined Before?
Many of our plans offer guaranteed acceptance or simplified underwriting — no lengthy medical history required.
Between Jobs?
Coverage can start within days of enrollment, bridging the gap until employer benefits kick in.
Self-Employed?
Portable plans that move with you, not tied to any employer or marketplace enrollment window.
Budget Conscious?
Plans starting under $30/month give you real protection without straining your finances.
Ready to Find Your Plan?
Our licensed advisors will walk you through every option — no pressure, no jargon. Most clients are enrolled in under 20 minutes.