Union Blue Insurance Program
LIFE WELL PROTECTED STARTS HERE
Life Insurance without medical exams or rate increases
One Solution Agency proudly partners with Union Blue USA to offer their members access to Life Insurance products that meet each individuals' unique needs to help protect them and their loved ones. A variety of coverages are offered to union members and their friends.
1
Is final expense insurance right for you?
Ease the burden of final expenses with this exclusive plan
An option worth considering for seniors looking for help covering their final expenses is guaranteed issue (GI*) final expense, or burial insurance. Our guaranteed issue policies offer instant approval for all applicants aged 65-80, with a range of coverage options up to $25,000.
Union Members and their loved ones can find out what they qualify for in a matter of minutes, regardless of their medical history, and without having to take a medical exam. to learn more about the features of this policy, and to get a customized quote, visit our online quoting tool today.
*For GI product there are limited death benefits in the first two years.
Powered by
Final Expense/Burial Insurance
* Get a rate online in about 5 minutes
* Many will get same day coverage
* Rates never change with lifetime coverage
* Leaves money for beneficiary to cover funeral and end of life expenses.
See How Affordable A Life Coverage Can Be
In Some Cases Your Insurance Needs Can Be Better Served
By Term or Whole Life Insurance
Final expense insurance is not the best product for everyone. If you are young and healthy, for example, you can probably qualify for a term life insurance policy, which has more coverage and a lower premium. Whole life insurance is also attractive for building cash value and protecting you, your loved ones and your assets.
2
TERM LIFE
What is term life and how does it work?
Term life insurance features the most straightforward and affordable life insurance option by covering you for a set "term" (typically 10 to 30 years). If you pass away during the term period, your beneficiaries receive a cash payment.
Term life insurance coverage might
be right for you if:
* Your loved ones would need to replace lost income while raising children or paying a mortgage
* You have short-term financial responsibilities such as loans, a new business, or credit card debt
* You want the most affordable life insurance coverage
3
WHOLE LIFE
What is whole life insurance?
Whole life insurance can last the rest of your life with a guaranteed payout for your loved ones. Selecting the right amount of coverage early can be a great planning tool to cover for different stages of life. The younger you start, that lower rate is locked for life!
Whole life insurance may be a great fit for you if:
* You want coverage for the rest of your life
* You want a policy to build cash value over time
* You want to invest for a long-term benefit
Powered by
Get Covered in 5 Minutes
Up to $2 million in coverage
Free will & trust worth $898*
*Not all policies are eligible to receive the Ethos Estate Planning perk and documents may not be available in all states. Your use of the estate planning documents is subject to the Terms of Service and Privacy Policy found on their site"
Supplemental Insurances From
Aflac Supplemental Insurance is an extra layer of financial protection that pays cash directly to you to help cover out-of pocket expenses in the event of a covered accident or illness.
Major medical coverage only goes so far, and even with it, you could still owe thousands in ou-of--pocket costs that you didn't plan for. Aflac insurance plans are designed to help fill that financial gap, with cash benefits paid directly to you.
Use it to help pay for your deductibles, copays, prespriptions, as well as the costs associated with missing work or managing the household while recovering.
Accident Insurance
Accident insurance policies help provide support when life's most unexpected moments arrive. Supplemental accident insurance is meant to be purchased in addition to your primary policy. It helps pay the bills that your major medical insurance doesn't completely cover.
Accident insurance helps provide peace of mind when new and unexpected injury costs occur. Aflac works by paying benefits regardless of your current plan. This gives you extra support and financial relief during these covered accidents.
Accident Insurance Policy Coverage
When an accident occurs, there can be a great deal of treatment fees that exist outside of hospital bills. Aflac accident insurance pays you cash benefits directly (unless assigned), which can be used for any of these services:
Provides financial assistance if an ambulance is required to transport you to the hospital.
Helps cover the treatments and procedures needed to restore your health.
Assists with the cost of x-rays, blood tests, CT scans, MRIs, and any other exams needed to assess the injury at hand.
Anticipates the need for therapy, both physically and emotionally, to recover from the impact of the accident.
Aids any facilities or programs needed to create a seamless recovery.
Provides benefits your family can use too, like cash payments for medical bills or everyday expenses.
Critical Illness Insurance
Use our critical illness insurance to help with the treatment costs of life-changing illnesses and health events, so you can stay focused on recuperation.
Why Should I Consider Critical Illness Insurance
What Does a Critical Illness Policy Help Cover?
Initial Diagnosis
A lump sum payout up to $25,000 upon the diagnosis of a covered illness.
Initial Diagnosis Increasing Benefit
This can add up to $500 per year to the initial diagnosis of a covered illness, for up to 10 years.
Subsequent Critical Illness Event
A lump sum payout up to $12,500 upon the recurrence of a previous covered illness or the diagnosis of a new covered illness.
Coronary Artery Bypass Graft Surgery
A lump sum payout up to $6,250 for undergoing coronary artery bypass graft surgery.
What Is the Difference Between Cancer and Critical Illness Insurance?
Aflac offers both Cancer and Critical Illness policies. Each plan offers different benefits, and it's not uncommon for policyholders to consider more than one plan. Combined, you can explore a more supportive and holistic approach to coverage. It makes sense to explore all your options.
Cancer Insurance is for those who experience a positive diagnosis of cancer. It offers cash benefits not only for covered cancer treatments received but can also help with everyday costs. Cancer insurance can help cover a wide variety of cancer treatments – both preventative and urgent. Cancer treatment costs with insurance can be much more manageable with a good policy in place.
Lump-Sum Critical Illness Insurance is for those who experience a life-changing event, like a heart attack or stroke. It offers lump-sum cash benefits that can be used however you decide - from helping with everyday bills to surgery. These plans may help provide coverage for diseases that aren't covered by our cancer/specified disease insurance policies.