AAIC — Horizons
Available in: AK, AR, AZ, CO, DE, DC, FL, GA, IL, IA, IN, KY, MD, MI, MO, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WI, WV AND WY.
NOTABLE FEATURES: a prior decline from a health insurance company for health reasons does not make the applicant ineligible | optional accident rider | Payment: Monthly installments or lump sum for a number of months, up to six months | Insurer: American Alternative Insurance Company rated A+ by A.M. Best
HPA — Secure STM
Available in: 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, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, WV, WI, WY.
NOTABLE FEATURES: Non-insulin diabetes is accepted | If declined for health insurance in the last 12 months, coverage will not be issued. | The following surgeries are not covered: hysterectomy (except for carcinoma), tonsillectomy, adenoidectomy, nasal septum, myringotomy, tympanotomy, herniagraphy, colosectomy | Gall bladder surgery and any injury or disorder of the knee is limited to $2,500 | Mental health care and injury from organized sports or any high risk sport are not covered | Payment: Entire period, or by the month for up to six months | Insurer: Standard Security Life Insurance Company of New York
Secure 12X3 STM
Up to 3 years of coverage in the following states: AL, AR, AZ, DE, FL, GA, HI, IA, IL, MO, NE, NM, OH, OK, OR, PA, SC, TN, WI, WY. May be ideal for anyone in their 60's needing coverage until Medicare eligibility.
NOTABLE FEATURES: Non-insulin diabetes is accepted | The following surgeries are not covered in the first 6 months: hysterectomy (except for carcinoma), tonsillectomy, adenoidectomy, nasal septum, myringotomy, tympanotomy, herniagraphy, colosectomy | Mental health care and injury from organized sports or any high risk sport are not covered | Payment: Entire period, or by the month | Insurer: Standard Security Life Insurance Company of New York
Amigo
Available in: AL, AR, AZ, IA, IL, KY, LA, MI, MO, NC, NE, NV, OH, PA, RI, SC, TX, WY.
NOTABLE FEATURES: Six or twelve month coverage as allowed by state law | Pre-existing condition and waiting period provisions | Certain procedures are not covered during the first 6 months after the effective date (subject to all other coverage provisions, including the pre-existing condition limitation): a. Total or partial hysterectomy, unless it is medically necessary due to a diagnosis of carcinoma; b. Tonsillectomy; c. Adenoidectomy; d. Repair of deviated nasal septum or any type of surgery involving the sinus; e. Myringotomy; f. Tympanotomy; g. Herniagraphy; or h. Cholecystectomy | Payment: Entire period, or by the month | Insurer: HCC Life Insurance Company rated A+ by A.M. Best (5-2008)
Celtic Insurance Company
Available in: AL, AZ, AR, CA, CT, DE, FL, GA, ID, IL, IA, KS, LA, MD, MS, MO, MT, NE, NV, NM, NC, OH, OK, PA, TN, TX, VA, WV, WI, WY
NOTABLE FEATURES: There is no question regarding any prior decline for health insurance. A prior decline for health insurance is not a reason for denial.
Assurant Health - Time
Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, UT, TX, UT, VA, WV, WI, WY.
NOTABLE FEATURES: A prior decline for health reasons is not a reason for denial unless the condition(s) are still present | Additional riders may be purchased - Accident Medical Expense, Dental-Vision Savings, and Term Life Insurance | Payment: Monthly installments or lump sum for the exact number of days, up to six months | Insurer: Assurant Health is the brand name for products underwritten and issued by Time Insurance Company.
