Featuring The Hottest And Most Needed Insurance Products In The United States....
Critical Illness Insurance, Accident Protection & Health Savings Accounts. (HSA's)
| Representing what I feel are "Simply the Best" and "Most Competitive" health, life, critical illness, accident, disability income,final expense, annuity and discount products in the industry … To individuals, independent contractors, the self-employed, and small business owners. Frank Kovich (Independent Insurance Advisor) |
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SIMPLY
THE BEST HEALTH CARE PLAN EVER!
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"HEALTH
SAVINGS ACCOUNTS"
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Health Savings Accounts (HSA's) has become the fastest growing Health Care product in the industry! An
HSA plan consists of 2 parts: It's basically a Tax Free, Interest Bearing Account that allows you to set aside funds for health care. All accumulated funds are yours forever! You Get To Keep What You Don't Use! |
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For
your free quote on Health Savings Accounts - click on the below link.
Call Frank R Kovich Illinois Independent Insurance Advisor (630) 229-5740 |
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Affordable"CRITICAL
ILLNESS" Insurance
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Critical
Illness is "NOT" affordable…BUT…a Critical Illness
plan is!
Receive a "TAX FREE" lump sum amount of between $20,000 - $200,000 paid directly to you upon Critical Illness diagnosis of:
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For your free quote on affordable Critical Illness Term Life Insurance- click on the below link. Frank R Kovich Illinois Independent Insurance Advisor (630) 229-5740 |
Important
Note:
Mortgage
Protection Life Insurance is never a good choice!
According to HUD, only 3% of mortgage foreclosures are the
result of a death, while 48% are the result of a severe financial hardship
caused by a serious illness. Why then, are insurance agents pushing Mortgage
Insurance Protection when Critical Illness Insurance is really the right
product to offer their clients? Critical Illness Insurance offers "Dual
Protection". You receive a lump sum if you become critically ill or
money for your family in the event of your death. (Plus,a
Critical Illness accounts for 64% of all hospital stays)
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Important
"DISABILITY INCOME" Insurance
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A
disability is more common than you think, it can happen to anyone
… And It Does!
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NOTE: Basically; 46.7% of all 30 yr. olds, 43% of all 40 yr. olds and 36% of all 50 yr. olds will have a disability prior to age 65. These are "great odds" if going to Las Vegas with extra spending money...but… "bad odds" when it comes to risking your life savings and possibly facing foreclosure and bankruptcy. "ASK ABOUT OUR RETURN OF PREMIUM WITH THE SURRENDER VALUE RIDER!" A Return of Premium feature offers you the best of both worlds, Protection If You Need It, Money Back If You Don't! Because of this, many value-driven consumers choose this unique solution for their life and disability insurance protection. It's basically a Win-Win Situation! Frank R Kovich Illinois Independent Insurance Advisor (630) 229-5740 |
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"RETURN
OF PREMIUM TERM LIFE INSURANCE"
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That's right folks. Simply stated...... You would receive the death benefit, if you were to die ...AND... your money back, if you should outlive your policy! |
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For your free quote on Return Of Premium Insurance- click on the below link. Life Insurance Protection Request Frank R Kovich Illinois Independent Insurance Advisor (630) 229-5740 |
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"INTRODUCING
FIXED INDEX ANNUITIES "
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Fixed Index Annuities offer an alternative to concerns over rising interest rates by linking earnings in part, to changes in an equity index. Even if the market index goes down, you are protected with a minimum guaranteed interest rate! Minimum guarantee interest offered through Fixed Index Annuities allow your money to grow no matter what the market does. Plus Taxes are deferred until you withdraw your money! |
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For your free Fixed Index Annuity quote - click on the below link. Fixed Index Annuity Info Request Frank R Kovich Illinois Independent Insurance Advisor (630) 229-5740 |
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"INSURANCE
FOR THE UNINSURABLE OR RIDERED"
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LIMITED
BENEFIT HEALTH INSURANCE
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CONDITION
SPECIFIC DEDUCTIBLE
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| For folk's who are ineligible for major health insurance because of certain health conditions. |
For folks with medical conditions ridered or exempt on their current policies |
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Examples
Of Commonly Eligible Conditions: |
Examples
Of Commonly Eligible Conditions: |
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Request for further information Frank R Kovich Illinois Independent Insurance Advisor (630) 229-5740 |
Below are Non-Major Insurance Programs (discount plans)
ALL VALUE BENEFITS OF AMERICA MEMBERSHIP INCLUDES THE BELOW DISCOUNTS AND DIVIDENDS:
The
Dividend Club:
VBA members will earn Dividends (paid quarterly to you) on Merchandise,
Services, Travel & Entertainment when you shop from our On-line Mall
and make a purchase. Choose from retailers like these, just to name a few,
and get the dividends: Walmart.com, Target.com, BestBuy.com, CircuitCity.com,
CompUSA.com, DisneyStore.com, OfficeMax.com, BrooksBrothers.com, Brookstone.com,
Buy.com, EddieBauer.com, LizClairborne.com, FOA.com, FOSSIL.com, HotelDiscounts.com,
Jcrew.com, etc.
Refund
Sweepers:
VBA members receive Free Merchandise, Bargains, On-line Coupons, Rebates,
Sweepstakes & more.
Car
Rental Services:
VBA provides discounts at Alamo, National, Hertz and Avis.
Rewards
Network:
VBA members has access to America's Premier Dining Rewards Program and Hotel
Discounts. Save up to 20% off every meal plus up to 15% off your hotel room
rate.
Included
at no charge with your VBA membership:
VBA discounts at over 55,000 pharmacies for your prescription drugs as well
as lab tests and x-ray imaging services.
You would probably save much more then your membership using the dividend club benefit alone!
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"24
HOUR ACCIDENT MEDICAL COVERAGE"
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Accident
Expense Coverage for Members and their Families
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| * Pays 100% of covered medical expenses after satisfying a $100 or $250 Deductible up to the coverage maximum. | * NEW callMD, a network of medical doctors you can call for a consultation or medical needs anytime, any day |
| * Use any doctor or hospital. | *Automatic Acceptance through age 64. |
| * Accidental Death & Dismemberment benefits. | * Benefits are paid directly to you. |
| * Emergency Helicopter Air Ambulance benefits |
(Accidents
account for 18% of all hospital stays)
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Features
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Basic
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Basic
Plus
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Basic
Premier
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Premier
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*
Accident
Medical Expense Coverage.
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$2,500
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$5,000
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$7.500
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$10,000
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*
Accidental
Death & dismemberment.
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$5,000
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$5,000
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$7,500
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$10,000
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Emergency
Helicopter Air Ambulance.
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$4,000
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$4,000
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$4,000
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$4,000
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For
further information or a Free Quote, Click on vbaaccident
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- OR -
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"24
HOUR ACCIDENT LIMITED BENEFIT COVERAGE"
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Limited
Accident Expense Coverage for Members and their Families
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| * Helps pay your medical expenses for hospital emergency room and confinement, doctor and surgeon, lab tests and x-rays and ambulance. |
* Benefits are paid directly to you.
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| * Accidental Death & Dismemberment benefits up to $15,000 | * Automatic Acceptance through age 64. |
| * You can choose any Doctor or hospital. |
(Accidents
account for 18% of all hospital stays)
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Maximum
Per Accident Per Insured Member.
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Option
1
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Option
2
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Option
3
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| * Accidental Death & dismemberment. |
$2,500
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$10,000
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$15,000
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| * Maximum Medical Expense Benefit Paid Per Covered Accident. |
$2,000
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$5,000
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$7,500
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| * Deductible Per Accident. |
$0
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$100
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$250
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| * Hospital Confinement. (inpatient) |
$500
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$1,250
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$1,875
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| * Physician's Services. (no surgery) |
$500
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$1,250
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$1,875
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| * Surgery. (includes Assistant Surgeon & Anesthesiologist Services) |
$500
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$1,250
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$1,875
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| * Laboratory Expenses. |
$200
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$500
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$750
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| * Ambulance Services. |
$200
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$500
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$750
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| * X-ray & Imaging Expenses. |
$100
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$250
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$375
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| * Emergency Room Services. (up to 3 visits per year) |
$100
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$150
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$175
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For
further information or a Free Quote, Click on vbaaccident
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"Value
Med Hospital & Medical Coverage"
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Limited Sickness & Accident, Hospital &
Medical
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| * Benefits are Paid Directly to You if requested. | * Guaranteed Renewable to age 65 years old. |
| * Pays Benefits in Addition to any Other Insurance coverage. | * Use any Doctor, Hospital or Licensed Provider. |
| * Pays benefits for Hospital Out Patient and Ambulance Services. | * No Deductible or Co-Pays. |
| * Dependent Child Coverage Available to Age 19 or 25 if a Full Time Student. | * Your rates cannot be increased due to Your Advanced Age or declining Health. |
| * Pays Indemnity benefits for Hospital Confinement and Doctor Office Visits. | * Pre-existing Conditions Incurred within the 12 month Period Preceding the Effective Date are Covered after 12 months. |
| * Issue Ages 18 through 64 years old. |
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Value
Med Plan
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Benefit
Schedule
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Pays
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| * Doctors Office Visits. | Pays up to 10 Doctor Office visits per calendar year for each insured adult and up to 5 per calendar year for all insured children combined. Doctor Office visits are limited to one per week. | $75 per visit. |
| * Hospital Outpatient Visits. | Pays for Doctors treatment, medical supplies, x-ray and lab tests. Outpatient benefit maximum per calendar year is $1,000 per insured and $1,000 for each covered child. | Up to $250 per visit. |
| * Ambulance Services. | Pays ambulance expense per sickness or accident. | $200 maximum per sickness or accident |
| * Hospital Confinement. | Pays $100 or $500 per day, beginning on the first day of hospital confinement, up to 365 days. | $100 or $500 |
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For
further information or a Free Quote, Click on vbamedical
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"ESSENTIAL
DENTAL SOLUTIONS PLAN"
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Just
What Your Family Needs
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* Essential Dental Solutions Plan covers the services your family needs for good oral health! It is affordable because it focuses on providing the benefits that you and your family need to maintain good oral health, not on benefits you may never use! |
* Everyone is accepted and there are no deductibles or benefit waiting periods, so you and your family can start using the dental benefits right away. |
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Preventative & Diagnostic Services |
| * Periodic Oral Exam (Office Visit) | 100% | Twice per year |
| * Prophylaxis (Teeth Cleaning) | 100% | Twice per year |
| * Bitewing X-rays | 100% | One set every year |
| * Full Mouth X-rays | Discount (Average 42%) |
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Basic
Services
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| * Resin-Based Composite (Fillings) | 100% | One filling per year (two surfaces) |
| * Additional Fillings | Discount (Average 32%) |
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Major
Services
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| * Root Canals | Discount (Average 34%) | |
| * Surgical Extractions | Discount (Average 31%) | |
| * Crowns | Discount (Average 27%) | |
| * Upper Denture | Discount (Average 48%) | |
| * Orthodontia | Discount (Average 20%) |
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Other
Plan Provisions
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| Annual Deductible - None | Annual Benefit Maximum - $500 per listed family member |
| Benefit Waiting Periods - None | Certain Restrictions Apply |
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For
further information or a Free Quote, Click on vbadental
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IMPORTANT
INFORMATION TO CONSIDER
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A Critical Illness accounts for 64% of all hospital stays, while an
Accident accounts for 18% of all hospital stays. Combined, they account
for 82% of all hospital stays. It makes good sense then, to make sure
that you're covered against them. (At the very least, your Deductible
& Co-Insurance responsibilities)
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| * A Return of Premium feature offers you the best of both worlds, Protection If You Need It, Money Back If You Don't! Because of this, many value-driven consumers choose this unique solution for their life and disability insurance protection. It's basically a Win-Win Situation! |
| *
Important Note:
Mortgage Protection Life Insurance is never a good choice! According to HUD, only 3% of mortgage foreclosures are the result of a death, while 48% are the result of a severe financial hardship caused by a serious illness. Why then, are insurance agents pushing Mortgage Insurance Protection when Critical Illness Insurance is really the right product to offer their clients? Critical Illness Insurance offers "Dual Protection". You receive a lump sum if you become critically ill or money for your family in the event of your death. (Plus,a Critical Illness accounts for 64% of all hospital stays) |
Above programs may not be available in all states. An Illinois Independent Insurance Advisor
Disclaimer: As always, certain restrictions may apply. Not responsible for errors, omissions, rate or policy changes. (Agent is a Illinois Licensed Insurance Producer) As of October 2008.
- Referral Network -