Supplemental & Additional Insurance — Agent IQ
The Coverage Most People Don't Know They're Missing.
Your health plan covers a lot — but not everything. Supplemental insurance fills the financial gaps that major medical leaves behind, so an unexpected illness or injury doesn't become a financial crisis.
Fill the Gaps Your Health Plan Leaves Behind
These products pay cash directly to you — not to the hospital, not to the doctor. You decide how to use it.
Accident Insurance
Pays a lump-sum cash benefit directly to you when you're injured in a covered accident — regardless of other insurance you have.
- Cash benefit paid directly to you
- Covers fractures, dislocations, burns
- ER visits and hospitalization
- No network restrictions
- Affordable monthly premiums
Critical Illness Insurance
A lump-sum payment if you're diagnosed with a covered serious illness — cancer, heart attack, stroke, and more.
- Lump-sum cash on diagnosis
- Covers cancer, heart attack, stroke
- Use the money however you need
- Covers out-of-pocket costs, lost income
- Complements your health insurance
Hospital Indemnity Insurance
Pays a daily cash benefit for each day you're hospitalized — helping cover the costs your health plan doesn't.
- Daily cash benefit per hospital day
- ICU benefit often higher
- Covers deductibles and copays
- No network restrictions
- Pairs well with high-deductible plans
Disability Income Insurance
Replaces a portion of your income if you're unable to work due to illness or injury. Your most important asset is your ability to earn.
- Short-term and long-term options
- Replaces 50–70% of income
- Own-occupation definitions available
- Elimination periods from 30–180 days
- Portable — stays with you if you change jobs
Pet Insurance
Veterinary care is expensive and getting more so. Pet insurance helps cover unexpected illness and injury costs for your furry family members.
- Accident and illness coverage
- Wellness add-ons available
- Covers surgeries, diagnostics, medications
- Reimbursement-based model
- Multiple deductible and reimbursement options
Cash in Your Pocket When You Need It Most
Supplemental insurance works differently from traditional health insurance. Here's the key distinction.
Traditional Health Insurance
Pays your doctors and hospitals directly. Covers medical bills but doesn't replace lost income, cover deductibles, or help with everyday expenses while you recover.
Supplemental Insurance
Pays cash directly to you. Use it for your deductible, your mortgage, groceries, childcare — whatever you need while you're focused on getting better.
Want to Know What You're Missing?
A quick review of your current coverage can reveal gaps you didn't know were there. It's free and takes 20 minutes.