Understand Your Health & Protection Options
Health and protection products can help cover different risks, from healthcare expenses to lost income and long-term care needs. Explore the main options below to see how each type of coverage works.
Common Health & Protection Questions
What does health insurance typically cover?
Coverage varies by plan but may include doctor visits, hospital care, prescriptions, preventive services and other eligible medical expenses.
What is disability insurance?
Disability insurance can replace part of your income if an illness or injury prevents you from working.
What is long-term care insurance?
Long-term care insurance can help pay for extended care services at home, in assisted living or in a nursing facility.
What is Medicare?
Medicare is a federal health insurance program primarily for people age 65 and older and certain younger individuals with disabilities.
What is critical illness insurance?
Critical illness insurance may pay a lump-sum benefit after diagnosis of certain covered serious conditions.
Is dental insurance separate from health insurance?
Often, yes. Dental coverage may be offered separately or as part of a broader benefits package.
How much does health or protection coverage cost?
Costs depend on factors such as age, location, coverage level, plan type, provider and individual eligibility.
How do I choose the right protection coverage?
Consider your healthcare needs, income, savings, family responsibilities, existing coverage and the financial risks you want to protect against.