Accident and critical illness
Defined-event cash benefits depend on the covered diagnosis, injury, benefit schedule and exclusions.
Life and protection
Supplemental and income protection, without the confusion.
Supplemental products generally address defined events or costs and are not a replacement for comprehensive major medical coverage.
Educational information only. A coverage request is not an application or offer of insurance. Availability varies by state, license and carrier appointment.
Understand the choices
Which options should you review?
Product terms and eligibility vary. These examples describe common categories, not a quote or confirmation of Verity availability.
Hospital indemnity
Specified benefits may be payable for covered hospital events, subject to policy limits and waiting periods.
Disability and long-term care
Income replacement and long-term care products differ in triggers, definitions, elimination periods and benefit durations.
Choose with confidence
What deserves a closer look?
Review the actual policy, plan or official benefits documentation before making an enrollment or purchase decision.
- Exactly which events trigger a covered benefit
- Waiting periods, exclusions and pre-existing condition provisions
- Benefit amount, duration and payout structure
- Coordination with existing coverage, costs and renewability
Frequently asked questions
Clear answers, realistic expectations.
Is supplemental insurance the same as health insurance?
No. It normally provides limited or specified benefits and should not be presented as comprehensive major medical insurance.
Will a policy pay cash for every accident or illness?
No. Payments depend on the policy's definitions, covered events, benefit schedule and exclusions.
How should I choose a product?
Start with the financial risk you want to address, your existing coverage and the actual policy's limitations.
Limited-benefit products must be clearly identified as such. They are not substitutes for comprehensive coverage.
Next step
Ask a coverage question Get help with supplemental coverage.
Share your state and what you are trying to understand. You do not need to upload sensitive records or medical information to start.