Cash paid directly
to you.
Use the benefit for whatever matters most to your family, whether that's your mortgage, groceries, deductibles, travel, child care, or time away from work.
You choose where the money goes
REFUNDABLE SUPPLEMENTAL INSURANCE, MADE SIMPLE
Cash when life happens.
Money back if it doesn’t.
When a serious diagnosis or injury changes your plans, this coverage pays cash directly to you. Use it for the bills that don't stop: rent, groceries, child care, or whatever your family needs most.
See my options Quick form. Personal follow-up. No pressure.
Plans return 100% of premiums after the required period, less claims paid. Availability varies.
Protecting Your PrioritiesCaleb CurtisiOwner · Agent · Family Heritage Division
Cash paid directly to you Protection for life's other bills Get 100% of your money back if you don't use it
CLIENT FEEDBACK
Trusted. Clear.
No pressure.
People deserve to understand what they're buying and know who to call afterward.
At our staff meeting Caleb gave an overview of the program to the entire team. He was engaging, concise, and a true professional.
Caleb explained the coverage in plain English and showed me my options with no pressure.
Even after I signed up, Caleb has been responsive to my every question. He didn’t disappear after enrollment.
I hate paperwork. Caleb took all my documents and filed my claims for me!
HOW IT WORKS
Health insurance helps pay doctors. This pays you.
A covered event can affect more than medical bills. These policies are designed to help with the costs of everyday life.
Cash paid directly
Get 100% of
your money back
Keeping your policy for the term means a return of 100% of the premiums you paid, less any claims. I'll explain the timing and terms on our call.
Ask me how the refund works
Coverage we can discuss
Accidents & injuriesCancerHeart attack & strokeIntensive careHospital stays
WHO I HELP
Protection for your own priorities.
Whether you're looking out for yourself, your family, or the people on your team, we'll start with what matters to you.
Individuals
A financial cushion when a covered illness or injury interrupts your normal routine.
Families
Help with the household costs that keep coming while you're focused on getting better.
Business owners
Options to help protect your income and discuss coverage for your team.
Employees
Supplemental benefits that may help with expenses outside your medical plan.
THE DIFFERENCE
Coverage for the life happening outside the hospital.
Major medical coverage focuses on care. Supplemental cash benefits can help with the rest of your day-to-day costs when a covered event happens.
This is separate coverage. It does not replace your health insurance, and benefits depend on the policy and claim.
Let's see what fitsREAL PEOPLE. REAL STORIES.
What this looked like in real life
A few Family Heritage claim experiences. These are individual stories, not promises of what a future claim will pay.
JackCLAIM PAID
$23,500A business owner with bills that couldn't wait
“One paid $3,000. Family Heritage paid me $23,500 in 6 days. As a business owner, time away from work means less income.”
DebbieCLAIM PAID
$134,893Time with her husband mattered most
“This policy allowed me to be there for him the entire 11 months he was in the hospital.”
D’AdrianCLAIM PAID
$9,600A claim that added zero stress
“It was insanely easy and added zero stress to my situation. The money came fast and let me pay a few bills.”
KylenCLAIM PAID
$138,850More time beside his son
“It let me put my focus on him rather than finances.”
LoreneCLAIM PAID
$113,140A policy they didn't expect to use
“They pay you exactly what they say in their policy.”
Claim payments depend on the specific policy and covered event. Individual results vary.
MEET CALEB
Agent.
Actual human.
Because no one needs another chatbot.
When you need help, I'm the one answering questions, walking through options, and helping you navigate claims.
When I'm not working, I'm usually with my daughter, in my woodshop, or losing on the pickleball court. I'm the same person with clients that I am in real life: personal, straightforward, and easygoing.
WHAT HAPPENS NEXT
A clear conversation. Then you decide.
I'll ask a few questions, explain how the coverage and refund work, and show you the options that fit your situation.
01
Your situation
We talk about what you want to protect and which bills would matter most if life changed.
02
The details
I explain covered events, limitations, and the return-of-premium terms in plain English.
03
Your choice
You'll see your options and decide whether any of them make sense for you. No pressure.
COMMON QUESTIONS
The honest answers, up front.
Something else on your mind? Ask me directly
Is this the same as health insurance?
No. It's supplemental cash-benefit coverage and does not replace major medical insurance. A qualifying claim can pay cash directly to you, based on the policy.
How does getting money back work?
Some plans have a return-of-premium benefit after the required period if you keep the policy in force. Claims paid reduce the amount returned. Eligibility, timing, and terms depend on the policy and state; I'll walk you through the exact details.
What can I use a claim payment for?
Cash benefits are generally paid directly to you, so you can use them for your priorities: household bills, travel, child care, or other expenses. Covered benefits and amounts depend on the policy.
I don't live in Arizona. Can we still talk?
Yes. I'm based in Arizona, and we can discuss the products available where you live and whether I can help you there.
NEXT STEPS
Let's find out what makes sense for you.
Leave your details and I'll personally follow up to answer questions and walk through your options. No pressure.
Prefer to reach me directly?(480) 406-9555