Product features

Supplemental life and health insurance helps you get the care you need—and the money to pay for it. Learn more about your options so you can choose the right benefits for yourself and your family.

 

Premium-return 

Premium-return Many of our policies offer premium-return options, so you can get back all your premiums—in some cases regardless of claims—after a certain time.

[back to top]

Wellness options 

Wellness options Not all major medical plans pay for costly tests like colonoscopies and mammograms. Supplemental health products may include wellness options to cover a variety of screenings ordered by your doctor. Washington National is proud to feature a variety of wellness options.

[back to top]

Health Advocate 

Health Advocate Health Advocate helps you navigate the health care system and maximize your available insurance benefits. A Personal Health Advocate works to resolve your clinical and administrative issues and help you access needed resources.

[back to top]

Prescription discounts 

Prescription discountsOur insurance policies offer a health discount card you can use to save money on prescription drugs, vision care, hearing care, daily living products, diabetes care and other medical supplies. Your health discount card can be especially useful if your major medical plan reduces your prescription drug benefits.¹

[back to top]

Family coverage 

Family coverage You can't predict whether you or a family member will experience a critical illness, injury or disability. But you can financially prepare for the possibility and ensure benefits are available.

[back to top]

Fast, direct benefit payments 

Fast, direct benefit paymentsOne tremendous advantage of our supplemental products is the cash benefits paid directly to you or to someone you designate. You get to decide how to use them. You may need the money to pay health care bills not covered by your major medical plan—or to replace lost wages, pay living expenses, arrange for needed transportation or cover childcare costs during treatment.

[back to top]

First-occurrence benefits 

First-occurrence benefits Many of our supplemental policies have a "first occurrence" benefit. When you're first diagnosed with a critical illness, such as cancer, you get a lump-sum payment. Money is delivered to you as quickly as possible—so you can focus on your care, not on the cost.

[back to top]

Indemnity benefits 

Indemnity benefits Indemnity benefits are specified maximum dollar amounts reimbursed to you for covered medical services, such as a hospital stay.

[back to top]

Life insurance 

Life insurance Life insurance provides your loved ones a cash benefit if you pass away. The money can help replace your income, cover living expenses, pay off debts, fund college for your children and much more.

Washington National offers several types of life insurance. Our term policy pays a death benefit if the insured person dies during the stated term period. Our whole life policy has guaranteed level premiums and a lump-sum benefit to cover final expenses, with a cash value for peace of mind.

A universal life policy lets you build cash value tax-deferred. You can cover yourself for a few dollars a week and add coverage for your family. Our indexed universal life policy gives you several ways to grow your cash value, including an option that's linked to the S&P 500®.2, 3

[back to top]

1 Prescription drug card is not insurance, and is administered by ScriptSave. No purchase is necessary to receive the prescription drug discount card.

2 S&P 500® is a trademark of the McGraw-Hill Companies, Inc. and has been licensed for use by Washington National Insurance Company. These products are not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing these products.

3 The information above was written to support the sale and marketing of insurance policies offered by Washington National Insurance Company. Based on your particular circumstances and objectives, you should seek advice from a qualified and duly licensed independent tax or legal adviser. You cannot rely upon or use the information above for the purposes of avoiding any tax or tax penalty that may be imposed by the Internal Revenue Code or other applicable law. Statements regarding taxation are for general and informational purposes only. Such statements are based on our understanding of the law in effect at the time this material was published. Present laws may be altered, amended or abolished. You should rely upon your own independent tax or legal counsel to advise you as to the effects of any such changes on your own circumstances and objectives.

The return of premium (ROP) or cash value (CV) (in MO, “cash return”) benefit is subject to state and product availability. The benefit has an additional charge and may pay minus claims or regardless of claims based on the policy selected. The policy must remain in force until the end of the ROP/CV period for the benefit to be paid. The premium-return amount is based on ROP/CV payments to Washington National policyholders from January 1, 1995, through December 31, 2014.

Policies underwritten by Washington National Insurance Company, home office: Carmel, IN. These policies have limitations and exclusions. For costs and complete details of coverage, contact an agent.

Policies, benefits and riders are subject to state availability. Not all listed options, benefits and riders are available on all policies, and some may have additional cost.

Limited-benefit policies.

Washington National Insurance Company is not licensed and does not solicit business in the state of New York.
» Additional Illinois State resident information
» Additional New York State resident information
» Additional Oregon resident information
» Confidential insurance communication request form

15-2464