Meet Equitable Life & Casualty:

There are lots of insurance companies, but none quite like Equitable Life & Casualty. It is the character of The Equitable Family that sets them apart. Over the years they have earned a national reputation of caring – for their policyowners, business partners, agents, employees and their communities. It’s value cannot be measured in dollars, and they passionately guard and preserve it.

Equitable Life & Casualty is Utah’s oldest active life insurer. Licensed to conduct business in 45 states and the District of Columbia, the company has an established national footprint. Salt Lake City based, their home office team is dedicated to providing superior, friendly, personalized service to our policyowners, business partners, and the independent agents who market Equitable’s life and health insurance products across the United States.

Ratings: Equitable has an A+ rating with the BBB and has been accredited since 1964. There are no complaints at all on record in the past three years.

Availability: We are fully licensed and contracted to sell all Equitable’s products in the states of  IL, TX.

Equitable Instant Online Quotes

Life Insurance Instant Quote Form - Heritage Protector
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Heritage Protector Plan Information

Life insurance with special options designed to help you help your loved ones manage a difficult time and give you peace of mind.

Plan Highlights:

  • Available for people age 50 through 85
  • Face amounts from $2,000 to $30,000 based on plan selected
  • Benefits for the plan you choose will never decrease
  • Premiums you pay for the plan you choose will never increase
  • Benefits of your plan generally pass tax free to your beneficiary
  • Benefits of the plan you choose are paid out in one lump sum

A simple, easy-to-apply-for and easy-to-issue life insurance plan.

Heritage Protector Level

Full coverage from the first day – The full benefit you select is payable whenever death occurs, from the very first day of coverage. There are two underwriting rate classes: Preferred and Standard.

Heritage Protector Graded

If your death occurs during the first 12 months, all of your premiums, plus 5% interest, will be paid to your beneficiary. In the 2nd year we will return your premium plus 10%. In the 3rd year, 75% of the selected benefit is payable. After 36 months, the full benefit is payable. If your death is the result of an accident, the full benefit is payable from the first day of your coverage.

*Information Received from Equitable website at: equilife.com

Medicare Supplement Instant Quote - EquiChoice
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EquiChoice Plan Information

The very year Medicare itself was enacted, Equitable began offering health insurance for America’s seniors to cover the costs and services not paid by Medicare.

Today, Equitable offers 4 Medicare Supplement Insurance Plans.

Plan Highlights:

  • 4 Medicare Supplement Plans – A, F, N and G (see chart below).
  • Guaranteed renewable with unlimited lifetime benefits.
  • Simplified Underwriting.
  • All 4 Plans are available to qualified open enrollees.
  • Immediate coverage with no waiting period for all Plans- current health conditions are covered immediately.
  • No provider networks – the right to select any doctor, specialist, hospital or medical supplier.

 

medicareimage - Equitable

*Information Received from Equitable website at: equilife.com

Cash Benefit Plan Quote - CancerCare+
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CancerCare+ Plan Information

Insurance Coverage That Helps Manage Financial Risk of This Random Disease.

Who needs CancerCare+?

Cancer is an equal opportunity enemy. Cancer affects every race, ethnic group, and gender; and it doesn’t just affect the person who is diagnosed, but their whole family.

  • Cancer is the second leading cause of death in the U.S. and accounts for one of every four deaths.*
  • The risk of being diagnosed with cancer increases with age. About 77% of all cancers are diagnosed in persons 55 and older.*
  • In the U.S., men have almost a 50% lifetime risk of developing cancer; for women, the risk is a little more than 33%.*
  • Almost 16 million Americans (6%) were unable to obtain care due to the cost.*

 

Why CancerCare+?

You can use CancerCare+ for coverage in addition to other insurance; and the benefits are paid directly to you, to be used however you need to use them. You can use CancerCare+ for costs associated with:

  • First Occurrence: After the original diagnosis of cancer, not including skin, $1000 will be paid to you for you to use as you see fit.
  • Overnight Hospital Stays: drugs and diagnostic tests, doctor visits, and private nurse.
    • In or out of the hospital coverage: surgery (according to the surgical schedule), anesthesia, second & third surgical opinion, blood, radiation, chemotherapy, prescriptions, anti-nausea medication, and inpatient hospice care (if you are terminally ill).
    • Outpatient coverage: surgically implanted breast prosthesis, non-surgical breast prosthesis, ambulance transportation to and from hospital(s) and travel costs.

 

*Information Received from Equitable website at: equilife.com

Cash Benefit Plan Quote - EquiCash
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EquiCash Plan Information

The Insurance Policy That Pays You Cash In The Event Of A Covered Hospitalization

Who needs EquiCash?

Sure, most of us have health insurance and we think that’s all we need but consider this:

    • The average expenditure for a hospital stay is $8,793.
    • The average age of a hospital inpatient is approximately 53; 38% are age 65 years and over and 24% are age 75 years and over.
    • The average inpatient hospital length of stay is 5.5 days for people age 65 years and over, 5 days for those aged 45-64 years, and 3.7 days for those aged 15-44 years.
    • The increasing number of Americans age 65+ has the potential to greatly increase the nation’s already high health care costs. The cost of providing health care for one person age 65+ is approximately three to five times greater than the cost for someone younger than 65.

 

As concerning as these statistics are, EquiCash is an alternative to help pay the increasing out-of pocket expenses that today’s medical insurance does not cover.

All plans have deductibles, copayments and limits. This product is available for ages 45 to 85. Equitable’s EquiCash Hospital Indemnity Plan can help with these costs by providing the following benefits:

equi cashimage 1024x620 - Equitable

*Information Received from Equitable website at: equilife.com

Cash Benefit Plan Quote - EquiCare® 790
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EquiCare® 790 Plan Information

A Short-Stay Nursing Home Insurance Plan

Who needs EquiCare® 790?

Many of us, a projected 70% of Americans over the age of 65, will need some type of long term care services at some point during our lifetime.(1) This becomes more likely as we age. Not only is the cost of this care expensive but many of us may not be able to afford to purchase comprehensive long term care insurance protection to cover this need. Equitable Life & Casualty Insurance Company developed EquiCare® 790 to help protect against this financial risk.

EquiCare® 790 has been designed to provide your choice of coverage for some or all of a short term nursing home stay of up to 350 days. Everyone’s personal financial situation is different. EquiCare® 790 offers you the options to design a plan of coverage that will fit your individual budget. You can purchase the maximum coverage or keep the cost lower by adding an elimination period. Either way, you make the choice that is right for you and your family.

    • You can choose a daily cash benefit from $50/day to $300/day (depending on age) in $10 increments.*
    • You can choose a benefit period of 100 days, 150 days, 200 days, 250 days, 300 days or 350 days.*
    • You choose an elimination period of 0 days, 30 days or 90 days.
    • You qualify for benefits if:
        • You cannot perform two or more of six ADLs (Activities of Daily Living); or
        • You have a cognitive impairment (such as Dementia or Alzheimers disease).
    • Your EquiCare® is guaranteed renewable as long as you pay your premiums on time.**
    • Your EquiCare® offers a 10% discount for couples who are both insured.

With this simple but innovative policy, you can help protect you and your family from the financial risk of a nursing home stay of less than one year. Here are just a few reasons why you may need EquiCare® 790:

    • Provides you with up to 350 days of protection(in addition to what Medicare or other coverage provides). Thats up to $105,000 of benefits (at $300/day)!
    • Provides reasonably priced protection.
    • Provides “Peace of Mind” knowing you and your family are protected for up to 350 days.
    • Provides extra benefits for coverage you may have that has not kept up with local care costs.

*Information Received from Equitable website at: equilife.com

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