Enhance Coverage with Individual Insurance

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ANCILLIARY GROUP PRODUCTS

Individual Insurance

At VIP Insurance Group, we understand your and well-being are your top priorities. That's why we offer a range of ancillary insurance products designed to complement your primary health insurance and provide you with comprehensive coverage.

Our ancillary products ensure that you and your loved ones are protected from unexpected expenses and can access the care you need.

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Enhance your coverage with VIP's Ancillary Insurance Products

PROTECTING YOUR MOST VALUABLE ASSET

Disability Income (DI) Insurance

Disability Income (DI) Insurance helps protect you from the physical and financial consequences of a disability that keeps you from earning a paycheck. In addition, we also include benefits for mental and nervous disorders, substance abuse and waiver of premium.

Flexible and Customizable Plans

Choose from Base, Enhanced, and Enhanced Plus plans

Total and Partial Disability Plans

Customize plan for non-occupational coverage, elimination periods, and benefit periods

Group Plan Features

Budget-friendly, comprehensive coverage, and competitive rates.

Portable - employee can keep coverage even if they leave their employer

Guaranteed renewable to age 72

Level premiums - rates do not increase as insured moves into new age brackets

Initial Eligibility - active employees age 18 to 69, working at least 30 hours per week

VALUABLE PROTECTION FOR YOUR EMPLOYEES

LifeTime Benefit Term

The LifeTime Benefit Term (LBT) provides lifetime guarantees at a fraction of the cost of permanent life insurance. And flexibility allows you to access your benefits to supplement the expenses of Long Term Care (LTC).

Flexible and Competitive Plans

Protects families with money that can be used any way they need

Pays death benefits in advance for home health care, assisted living, adult day care, and nursing homes (LTC)

Accidental Death Benefits, Child Term Benefit, Waiver of Premium, and Payer Waiver of Premium

$100,00 LifeTime Benefit Coverage Freatures

Full Death Benefit is paid if insured leads a full life and does not need Long Term Care (LTC)

Split Benefits for Long Term Care (LTC) and Death Benefit

Long Term Benefit can be maximized for needs in assisted living and/or nursing home care.

PEACE OF MIND WHILE FOCUSING ON GETTING WELL

Critical Illness Insurance

Critical Illness Insurance pays a lump sum check directly upon diagnosis. Cash benefit can be used as you choose - to help with everyday expenses.

Additonal Benefits

Mortgage and Rent Helper

Hospital Re-Admission Benefit

Advocacy Benefit (personal and confidential assistance)

Childhood Conditions (standard and critical illnesses)

Wellness Benefit

Coverage Features

Protection at a price that fits employee's budget

Family coverage for spouse, children and dependent grandchildren through 26 at no additional cost

Portability - keep coverage with change of jobs

Guaranteed Renewal and No Benefit Reduction

HSA Compatible

Benefits paid based on diagnosis, hospitalization is not required

HIGH-QUALITY YET COST-EFFECTIVE HEALTH COVERAGE

Hospital Champion

Hospital Champion pays cash benefits directly to you. This customizable insurance plan offers valuable benefits for you and your family, to supplement other insurance if you or insured family members are hospitalized.

Hospital Champion Benefits

Hospital Admission pays up to $1,500

Hospital Confinement pay $100 per day, for up to 365 days

ICU Confinement pays an extra $100 per day, on top of Hospital Confinement

Observation Room pays $100 per visit for a stay of up to 20 hours

Rehabilitation Unit Confinement pays $100 per day (up to 15 days)

X-Ray/Lab Services pays $35 per service

Physician's Office Visits pays $25 per visit (3 visits per year)

Waiver of Premium

DEFEND & PROTECT THE THINGS YOU LOVE THE MOST

Accident Champion

Accident Champion pays cash benefits directly to you regardless of any other coverage you may have. It pays extra benefits for injuries resulting from participating in organized sports.

Benefits Always Include

First Accident pays $100 for first claimed benefits

Sports Package benefits increase 25% up to $1,000 per person per year, for injuries resulting from participating in organized sports

Rehabilitation Package pays cash benefits for admission, daily confinement, and recovery

Accident Champion Features

Date of Application Coverage becomes effective as soon as application is signed

Guaranteed Issue - no medical history is required for coverage to be issued

Guaranteed Renewable

Fully Portable

HSA Compatible

FLEXIBLE PROTECTION THAT LASTS A LIFETIME

Universal Life Protector

Universal Life Protector offers a safety net with lifetime protection starting at just a few dollars a week. Income earned on the cash value grows tax-deferred with a guaranteed interest rate if 2.5% compounded yearly.

Premium Benefits & Structure

Benefit amounts from $10,000 to $250,000 (maximum six times policy holder's annual earnings)

Tobacco/non-tobacco rates

With flexible premiums, the policy holder can lower or skip a premium payment

With premium protection, the policy holder can keep coverage until age 100

Universal Life Protector Features

Spouse, children's, and grandchildren's coverage is available, even if the policy holder is not insured

Income earned on the cash value grows tax deferred with a guaranteed interest rate

Accelerated Benefits Rider included at no additional cost

Coverage is portable. Because the policy is owned, coverage stays with policy holder even if jobs are changed

Coverage level can be selected based on the premium contribution amount or the death benefit amount

We are a leading provider for Individual Insurance

At VIP insurance, Our ancillary products ensure that you and your loved ones are protected from unexpected expenses and can access the care you need.

Our Commitment to You

Experienced Agents

Flexible & Customizable Plans

Affordable Premiums

Nationwide Network

Enhance you coverage with VIP's Ancillary Products today!

Our experienced agents can help access your worksite insurance needs and recommend the most suitable group plans for your employees or organization.

Find An Agent

(276) 322-7825

1 Westwood Medical Park Bluefield, VA 24605

Hours: 10 AM - 5 PM

Major Medical Insurance

Group (Business) Health Insurance

Worksite Insurance

Individual Insurance

Individual Insurance

Enhance your coverage with VIP's Ancillary Insurance Products

Disability Income (DI) Insurance

LifeTime Benefit Term

Critical Illness Insurance

Hospital Champion

Accident Champion

Universal Life Protector

We are a leading provider for Individual Insurance

Our Commitment to You

Enhance you coverage with VIP's Ancillary Products today!