Family Heritage Life Products

Family Heritage Life

Heart Attack/Stroke Policy

The number of people suffering from heart attacks and strokes is historically high and expected to rise, even as the medical community pursues more effective prevention and diagnostic measures to eradicate these diseases. The Family Heritage Life Heart Attack and Stroke Plan has benefits specifically geared toward containing the out-of-pocket costs associated with a heart-related illness.
Policy Benefits:
  • First Occurrence
  • Hospitalization
  • Ambulance
  • Surgery & Anesthesia
  • Healthy Heart Benefit
  • Patient & Family Member Transportation
  • Family Member Lodging
  • Physical Therapy
  • Heart Transplant

This insurance may not be available in all states and where available, benefits will vary. Benefits are for heart disease, heart attack and stroke only. Please see your Family Heritage Life Representative for cost and complete details including any exclusions and limitations that may affect your benefits.


Intensive Care Policy

Severe illness or injury often strikes without warning and can require a stay in the intensive care unit. FHL's Intensive Care Unit coverage is designed specifically for this type of hospital stay and can provide benefits for confinements in a hospital intensive care unit for any covered illness or accident.
Policy Benefits:
  • Intensive Care Unit Confinement (Benefit doubles if confinement is due to a vehicular accident)
  • Step Down Unit
  • Ambulance
  • Air ambulance
  • Accidental death

This insurance may not be available in all states and where available, benefits will vary. Benefits are for Intensive Care Unit confinement only. Please see your Family Heritage Life Representative for cost and complete details including any exclusions and limitations that may affect your benefits.


Hospital Indemnity Policy

Whether planned or unplanned, a hospital stay can be stressful for both the patient and family. The deductibles, coinsurance, and copayments can be confusing and often leave you paying out-of-pocket for more than you planned. Family Heritage Life's Hospital Indemnity plan is designed specifically to help offset those out-of-pocket expenses when you or a family member has a hospital stay. And, like all of our products, benefits will be paid directly to you, regardless of your other coverage.

This insurance may not be available in all states and where available, benefits will vary. Please see your Family Heritage Representative for cost and complete details including any exclusions and limitations that may affect your benefits.


Accident Policy

While none of us can predict when an accident will occur, we can certainly be prepared for them. We encourage our customers to "expect the unexpected" and help protect themselves with our Accident plans that can provide coverage for the bodily injuries that can result from life's accidents. Because when these unplanned events occur, you want to focus on what is most important - getting well.
Policy Benefits:
  • Hospitalization
  • Physical Therapy
  • Ambulance
  • Surgery & Fractures
  • Emergency Treatment, Lacerations
  • Accidental Death
  • Dismemberment
  • Significant Diagnostic Scans
  • Observation Room
  • Dislocation
  • Concussion / Coma

This insurance may not be available in all states and where available, benefits will vary. Benefits are for injuries sustained in an accident only. Please see your Family Heritage Representative for cost and complete details including any exclusions and limitations that may affect your benefits.


Life Insurance Policy

Life insurance can help provide the ultimate protection for your family, helping to ease financial burdens for your loved ones in the event of your premature death. We've designed two plans that may be able to help secure your family's future. One plan is designed for adults, while the other is designed to protect the important child(ren) in your life. Both plans share similar features.
Policy Benefits:
  • Very SIMPLIFIED underwriting with NO medical exam required.
  • Coverage is available in a variety of face amounts with immediate full face value.
  • Rapid policy issue means that your coverage is effective immediately.
  • Convenient billing, which includes automatic monthly deductions from your checking or savings account.
  • Cash value that builds and can be used in the future for your family's financial needs.

This insurance may not be available in all states and where available, benefits will vary. Please see your Family Heritage Representative for cost and complete details including any exclusions and limitations that may affect your benefits.

Why Family Heritage Life?

Family Heritage Life

  • Supplemental health and life insurance available through in-home sales
  • Licensed in 49 states
  • Headquartered in Cleveland, OH, with executive offices in McKinney, TX
  • Nationwide local offices
  • Our insurance coverage goes wherever you go, whether you move or change jobs

To help provide financial security and peace of mind to families when the unexpected occurs.

Family Heritage Life Insurance Company of America:

  • Provides world-class service by being there when needed
  • Commits to respect and quality in all we do for our claimants and other policyholders, sales force, employees, and shareholders
  • Strives to be driven to work and grow with passion, enthusiasm, and commitment
  • Gives back of our time, talent, and treasure


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