More isn't always better. When it comes to understanding insurance, there are really just five pieces of information you should know: what it is, what it covers, what it costs, what it will pay out and what it may exclude.

Benefits Overview:

Critical Illness Insurance

Critical illness insurance offers you a lump-sum benefit when you are initially diagnosed with a serious condition. Certain plans also include options for extended benefits for cancer treatment. It can help pay for expenses that your health plan isn't designed to cover. Most plans offer family options to help protect your spouse or children, as well.

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Accident Insurance

Injury prone? Weekend warrior? Have children who play sports? When an unexpected injury happens, accident insurance can help offset costs that are not covered by your medical plan. The benefit is paid directly to you and can be used for out-of-pocket costs like co-pays, deductibles, and other expenses.

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Whole Life Insurance

Whole life Insurance provides for a level premium, and a cash value table included in the policy, guaranteed by the company. The primary advantages of whole life are guaranteed death benefits; guaranteed cash values, fixed and known annual premiums, and mortality and expense charges will not reduce the cash value shown in the policy.

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Speak with a Benefits Advisor

During open enrollment NAGE members will get the opportunity to sign up for a variety of insurance options listed below. Call and set up a meeting with a benefits advisor today. Contact Kim Cunningham -

PHONE: 401-437-8078

Additional Resources