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Products

Voluntary Insurance based on what will give families peace of mind, not what they will struggle to pay for. With countless changes and higher out-of-pocket costs associated with primary insurance, we help our clients secure the protection they need, so they will have it in place at the time they need it most. We even offer a unique return of premium product, unique to any on the market, proving we are committed to our client’s needs.

Cancer Insurance

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. At Nexus, 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

Intensive Care Policy

Severe illness or injury often strikes without warning and can require a stay in the intensive care unit. Our Intensive Care Unit 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

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. The 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

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 of our products, benefits will be paid directly to you, regardless of your other coverage.

Policy Benefits:
  • Pays you directly in your pocket, per day that you are in the hospital for whatever reason, whether it be due to pregnancy, surgery or emergency.
  • No Lifetime Maximums, ever.

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

Life Insurance Policy

Life insurance can help provide the ultimate protection for your family, helping to ease financial burdens for your loved ones in the event of your premature death. We’ve designed two plans that may be able to help secure your family’s future. One plan is designed for adults, while the other is designed to protect the important child(ren) in your life. Both plans share similar features.

Policy Benefits:
  • Very SIMPLIFIED underwriting with NO medical exam required.
  • Coverage is available in a variety of face amounts with immediate full face value.
  • Rapid policy issue means that your coverage is effective immediately.
  • Convenient billing, which includes automatic monthly deductions from your checking or savings account.
  • Cash value that builds and can be used in the future for your family’s financial needs.