Life is full of surprises. There are the good kind and the not so good kind. Coping with a serious accident or a critical illness is not only physically and emotionally challenging but also can create a significant financial burden for the affected family. In fact, many of the costs associated with treating catastrophic illnesses can be out-of-pocket expenses that may not be covered by traditional health or major medical insurance. In addition, three out of five bankruptcies are due to medical bills.1 As medical insurance copays and deductibles continue to increase, supplemental health insurance products are more important to your family’s financial future than ever before.
Vital Benefits offers a variety of supplemental health insurance policies that bring relief from the financial stress of many catastrophic illnesses by paying benefits directly to you the patient or someone designated by you, not to the doctor or hospital. This provides you the money to help maintain your standard of living and allow you and your family to focus on what really matters—getting well.
Most of the policies offered by Vital Benefits have the Return of Premium or Cash Value options,2 which makes it possible to receive back ALL of the money that you have paid into the policy either as a claim or a return of premium. Protect yourself and your family against the hardships that often accompany an accident or critical illness by providing protection for today and money for tomorrow.

The proven insurance products we offer help provide protection, financial security & peace of mind.
1NerdWallet Health, “Medical Bankruptcy Accounts for Majority of Personal Bankruptcies,” March 26, 2014.
Insurance policies underwritten by Washington National Insurance Company, home office: Carmel, IN.
LIMITED-BENEFIT POLICIES. These policies have limitations and exclusions. For costs and complete details of coverage, contact an agent.
2The return of premium (ROP) or cash value (CV) (in MO, “cash return”) benefit is subject to state and product availability. The benefit has an additional charge and may pay minus claims or regardless of claims based on the policy selected. The policy must remain in force until the end of the ROP/CV period for the benefit to be paid.