Providing the trade and commercial construction industry with a unique out of the box insurance that pays them cash when critically ill or hurt and if clients stay healthy, there premiums are refunded.
About Family Heritage:
Family Heritage is a wholly owned subsidiary of Torchmark Corporation (NYSE:TMK). Family Heritages supplemental insurance products provide benefits beyond traditional health insurance or disability, which helps employees focus on the getting healthy instead of the bills. Family Heritage is best known for their supplemental cancer, heart, and accident policies that offer a return of premium.
We are able to offer benefits with or with out pay roll. Plans have multiple levels of coverage, no lifetime limits, and can be made available to all family members.
FHL has relieved numerous awards and honors for outstanding customer service and community outreach. FHL proudly serves millions of families and supports sales professionals across the nation.
About Transparent Financial:
Transparent Financial is an independent insurance agency partnered exclusively with Family Heritage Life Insurance Company of America, and we specialize in offering affordable supplemental health insurance policies to business owners and individuals in different markets across the country. We are located right behind the Mall of America in Bloomington, MN. We are the fastest growing organization in Family Heritage and received the Agency of the Year award in December 2018.
About Lindsay Lyder:
Lindsay has been with Family Heritage for 5 years. She grew up around the trades, logistic industry, and around family members who volunteer in the community. She have a unique prospective and understands what can happen if someone in this industry cannot work due to an injury or critically illness. She helps companies retain employees in a competitive job market by providing a unique out of the box benefit that employees want, at no cost to the business. Her number one priority is her clients and if they don’t use the insurance they get all of there money back.
Our accident plan covers employees on or off the job, 24 hours a day, 7 days a week. Plans pay in addition to health and life insurance, short and long term disability, and workman’s comp. There are different levels of coverage (the higher the level the higher the benefits) and coverage starts at $4/week. Employees have the option to add there spouse or children to the plan.
*We offer return of premium on ALL of our plan, meaning, if a client stays healthy, we refund 100% of there premiums.
Cancer impacts millions of Americans each year, and millions more are left feeling overwhelmed when the disease strikes a family member. While the patient must face the days, weeks or months of exhausting treatment, the family members caring for the patient often have their own battle to face - the challenges that can arise from insufficient health insurance coverage. At FHL, our goal is to help free patients and their families from the worry and anxiety of dealing with these challenges. Our Family Heritage Life Supplemental Cancer plans pay benefits directly to our policyholders to help manage financial necessities that arise along the way and if our clients stay healthy, we refund the money back to them.
*Multiple levels of coverage.
*Pays ontop of other insurances
*Return of premium.
The number of people suffering from heart attacks and strokes is historically high and expected to rise, even as the medical community pursues more effective prevention and diagnostic measures to eradicate these diseases. The Family Heritage Life Heart Attack and Stroke Plan has benefits specifically geared toward containing the out-of-pocket costs associated with a heart-related illness.
Covers heart attacks, heart disease, and strokes. Pays money directly to the client ontop of other insurances.
If clients stay healthy, FHL refunds the premiums back to the client.