When Health Insurance Falls Short, We Step Up.
Protect your family from financial shock during life’s hardest moments with direct-pay supplemental coverage.
When life hits hard, we step in—so you can focus on healing, not bills.
Life is unpredictable. And when a serious illness, accident, or hospital stay happens, health insurance often isn’t enough. That’s where we come in.
Our supplemental insurance plans pay you directly, so you can cover everyday expenses and focus on what really matters
— recovery, not red tape.
Coverage That Works When You Can’t
From ER visits to cancer recovery, our plans pay you directly
—so life’s surprises don’t become financial setbacks.
Life Insurance
Protect Your Legacy.
Ensure your family’s future with flexible, affordable life coverage that pays when it matters most.
Accident Insurance
Because Accidents Don’t Wait.
Get fast cash benefits for ER visits, broken bones, and injuries—so you’re not caught off guard by out-of-pocket costs.
Cancer Insurance
Fight Cancer Without Financial Fear.
Cover non-medical costs like rent, travel, and groceries during treatment, with benefits paid directly to you.
Hospital Indemnity Insurance
Support That Stays With You.
Get paid for every day you’re hospitalized—so your finances don’t suffer while you recover.
Intensive Care Insurance
Critical Illness Calls for Critical Support.
Receive direct cash benefits when serious illness lands you in intensive care—because your focus should be on healing, not bills.
Heart Attack &
Stroke Insurance
Bounce Back Stronger.
Coverage that helps offset medical bills and income loss during cardiac recovery.
Why Families and the Employers Who Support Them Choose Us
Tailored Plans That Protect What Matters Most
We sit down with individuals and families to understand your needs—then recommend only the coverage that fits your life, not a corporate quota.
Claims That Pay You
—Fast and Fair
When a diagnosis, injury, or hospital stay happens, every day matters. Our claims process is quick, direct, and designed to get money in your hands fast.
Clear Pricing. No Surprises.
We believe peace of mind should come without fine print. You’ll always know what you’re paying and exactly what you’re covered for.
Employer-Backed, But Always Personal
We proudly partner with local businesses to bring voluntary benefits to their teams—but the relationship starts and stays with you, the individual.
Secure Your Future!
No Matter What Life Throws Your Way
A single diagnosis or accident shouldn’t derail your finances. With supplemental coverage, you can focus on healing, not how you’ll cover the bills.
Chosen by Real People.
Trusted in Life’s Toughest Moments.
Meet the individuals and families who count on our coverage—and the local agents who guide them every step of the way.
Neighbors, Parents, Problem-Solvers.
Get to know the agents who help families prepare for the unexpected.
Protect Your Livelihood.
Backed by People Who Get It.
Choosing the right supplemental insurance isn’t just about picking a policy—it’s about having a guide who understands your world. Our licensed agents aren’t strangers behind a screen. They’re neighbors, parents, and small business owners—just like you.
Whether you're ready to get covered or just have questions, we're here to help you feel confident, not confused.
Helping Families Prepare for the Unexpected.
We provide personal, supplemental insurance that steps in when health coverage falls short—offering cash benefits paid directly to you. Backed by Globe Life Family Heritage Division, our local agents deliver trusted protection with a human touch.
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© Globe Life Family Heritage Division: Mirabal Agency. 2025. All Rights Reserved.