Ancillary Products
The BCBSM Specialty Product Portfolio offers individuals a full suite of benefits that are proven to meet your unique needs
Invidual Product Offerings
Life (Term)
Assurity
- 10, 15, 20, & 30-year term periods
- Accelerated underwriting
- Optional Return of Premium Benefit
- Optional End of Term benefit converts to permanent life policy without additional underwriting
Eye Care
Vision
- Adult-only vision plans can be purchased alone or with dental
- Coverage includes exams, lenses, frames
- VSP’s network provides an abundance of eye care professionals, including the highest number of private practice eye doctors in the industry
- One ID card for medical and vision
- Connections to overall health
Dental Care
Dental
- Affordable plan designs offer array of coverage options
- Huge PPO network lets you choose from nearly 3.400 dentists in Michigan and more than 118,000 unique dentists in 440,000 locations throughout the U.S.
- Per-claim participation arrangement means non-PPO dentists can participate
- All plans include required pediatric dental coverage
Disability Income
Hospital Recovery
LifeSecureGuaranteed Issue from age 64.5 to 65.5 & Simplified Issue for all other ages with rider options for design flexibility
- $100 - $900 Daily Benefit Amounts, in $10 increments
- Coverage up to 35 days per year, includes up to 4 days of treatment in observation unit
- Eligible ages between 18-85; guaranteed renewable for life
Only the insurance policy can give you actual coverage amounts, terms, conditions, limitation and exclusions. LifeSecure Insurance Company – Brighton, MI. For agent use only. Not for solicitation purposes.
Critical Illness
LifeSecure
- 18-70, guaranteed renewable to age 75
- Benefit amounts range from $5,000 to $50,000
- Dependent children coverage = $2,500 at NO additional cost
- 9 covered conditions
- Re-occurrence & return of premium benefits built-in
Only the insurance policy can give you actual coverage amounts, terms, conditions, limitation and exclusions. LifeSecure Insurance Company – Brighton, MI. For agent use only. Not for solicitation purposes.
Accident
LifeSecure
- For policies with $500 deductible: $2,500 - $25,000 Benefit Bank options for individuals (up to $50,000 for families) paying cash benefits directly to policyholders, regardless of any other insurance
- Disappearing $100 deductible feature
- Benefit payout based on actual amounts charged rather than a schedule
- Guaranteed Issue with no coordination of benefits & 24-7 coverage on AND off job
Only the insurance policy can give you actual coverage amounts, terms, conditions, limitation and exclusions. LifeSecure Insurance Company – Brighton, MI. For agent use only. Not for solicitation purposes.
Accidental Death and Disability
Assurity
- One health question and same-day issue for most E-apps
- Standard accidental death issue-amount up to $350,000 with flexible design options
- Optional return of premium rider
- $300-$1,800 of accident only disability monthly benefit (90 day elimination period with 2 year benefit
- Guaranteed renewability
