PROTECTION & INSURANCE SOLUTIONS
Samuels Insurance Group represents dependable supplemental health and life insurance products through Globe Life Family Heritage Division, helping individuals and families offset out-of-pocket costs and safeguard their financial stability during covered health events.
Our Protection Philosophy
When a covered health event, critical illness, or accidental injury occurs, everyday living expenses do not stop. Major medical insurance provides essential coverage for medical providers, but out-of-pocket deductibles, copayments, travel requirements, and lost household income can create sudden financial pressure.
Supplemental insurance policies represented by Samuels Insurance Group through Globe Life Family Heritage Division are designed to work alongside your existing healthcare coverage. Cash benefits are typically paid directly to the policyholder, providing practical financial resources so you can focus on recovery and family care.
Core Protection Categories
Supplemental health and life insurance solutions available through Globe Life Family Heritage Division, designed to assist policyholders during covered health events and major life milestones.
Cancer Insurance
Cancer is the second leading cause of death in America.* When cancer enters a family's life, the financial impact can extend far beyond medical bills. Treatment may mean frequent appointments, overnight stays away from home, loss of income, childcare needs, and other unexpected expenses, all while a family is focused on caring for their loved one.
Supplemental cancer insurance helps provide financial support for these indirect costs, giving families added resources to help manage the expenses that can arise throughout a cancer diagnosis and treatment.
- Help with indirect costs including transportation, travel, and lodging
- Financial support to help cover childcare expenses and loss of income
- Benefits paid directly to the policyholder to assist with out-of-pocket expenses
* American Cancer Society, Cancer Facts & Figures, 2024
Accident Insurance
None of us knows when an accident might happen, or how quickly it could disrupt our everyday lives. A broken bone or a serious injury can bring more than medical bills; it can mean time away from work, transportation costs, follow-up care, and other expenses that add up quickly.
Accident insurance provides benefits for covered injuries that happen both on and off the job, helping ease the financial strain that can come with the unexpected. With added financial support, you can focus less on the costs and more on what matters most, your healing and recovery.
- Coverage for bodily injuries resulting from covered accidents on and off the job
- Helps offset sudden out-of-pocket costs and emergency treatment expenses
- Direct benefits paid to you so you can focus on healing and recovery
Heart Attack/Stroke Insurance
Heart disease is the leading cause of death in the United States.* A heart attack or stroke can bring unexpected medical expenses, but the financial impact often extends beyond the hospital bill. Recovery may involve ongoing care, missed work, and other costs that can quickly add up.
Heart attack and stroke plans provide financial support for the indirect costs that can arise during treatment and recovery, helping ease the financial burden so you can focus on your health.
- Financial assistance to help pay for direct medical bills
- Support for indirect costs such as living expenses, travel for care, and lost income
- Direct cash payouts provide practical flexibility throughout recuperation
* 2024 Heart Disease and Stroke Statistics; ahajournals.org
Intensive Care
Intensive care treatment is often needed during a major illness or accident and can be costly. Some individuals face tough choices around intensive care medical procedures because they are so expensive. ICU insurance plans can help relieve financial pressure so you can focus on what matters most: healing.
- Dedicated supplemental coverage for intensive care unit confinement
- Relieves financial pressure during major illness or accident recovery
- Direct cash benefits help offset high out-of-pocket medical expenses
Hospital Indemnity Insurance
A hospital stay can be stressful for both the patient and family, whether planned or unplanned. Trying to sort through deductibles, coinsurance, and copayments can be confusing and may leave you paying more out-of-pocket costs than planned. Hospital indemnity insurance helps offset those out-of-pocket costs, paid directly to you to use any way you want.
- Helps offset out-of-pocket hospital costs, deductibles, and coinsurance
- Benefits are paid directly to you to use in any way you choose
- Provides financial reassurance during planned or unplanned hospital stays
Life Insurance
Life insurance can help protect your family by easing financial burdens for loved ones in the event of premature death. This may allow them to focus on celebrating your life instead of worrying about how they will replace your income or cover the cost of final expenses. Two plan designs, one for adults and one for children, help secure your family's future.
- Plan designs available for both adults and children
- Helps replace lost income and cover final expenses for loved ones
- Provides long-term financial security and protection for your family's future
Policy features, benefits, limitations, and availability vary by plan, product tier, and applicable state requirements. Review applicable policy documents and certificate of coverage for complete terms, conditions, and eligibility.
Understanding Supplemental Coverage
Key characteristics and available provisions on eligible Globe Life Family Heritage Division policies.
Return of Premium Option
On eligible policies, a Return of Premium provision provides for the return of paid premiums, minus any claims paid, after the policy matures or reaches designated milestones. Availability and benefits vary by product and state.
Direct Benefit Payments
On covered claims, benefits are paid directly to the policyholder rather than to healthcare providers, giving you the flexibility to apply funds toward medical bills, deductibles, or daily living expenses.
Works Alongside Major Medical
Supplemental coverage is designed to complement primary health insurance, helping offset out-of-pocket deductibles and coinsurance as well as indirect costs like travel, lodging, and loss of income.
"We were surprised and somewhat shocked when our representative came to our door and handed us our Return of Premium check for the amount of premiums we have paid in over the years. It really did happen!"
Terry J., Family Heritage Policyholder
Return of Premium features, benefit names, and availability vary by state and policy type. Check with an authorized agent for details regarding specific policy provisions and eligibility.
Personalized Agent Guidance
Understanding supplemental insurance should be straightforward and transparent. Samuels Insurance Group authorized agents work directly with individuals, families, and business owners to understand what matters most to them and clearly explain available policy options through our company.
What to expect during your consultation with an authorized SIG agent
- Clear, straightforward explanations of your coverage options, benefits, and costs
- A conversation about what matters most to you and the protection you want for your family or business
- Personal guidance when you need to use your coverage, including help navigating the claims process
- Ongoing support as life changes, with periodic reviews to make sure your coverage continues to fit your needs
- Personalized benefit guidance for business owners and employers looking to offer meaningful protection to their employees
Protection for Families & Workplaces
Samuels Insurance Group represents dependable supplemental protection solutions for individual policyholders, families, and workplace benefit programs.
Whole-Family Protection Plans
Individual, spousal, and child protection options designed to protect household stability across generations.
Voluntary Workplace Benefits
Voluntary, employee-funded supplemental plans that require no direct employer premium contributions, giving employees access to valuable coverage.
Protect Families. Develop Leaders. Build Legacies.
Connect with an authorized Samuels Insurance Group agent to review supplemental protection options for your family or workplace.