Family Life Medicare Supplements
Get a Quote »Family Life Insurance Company offers affordable Medicare supplement insurance in several states. They are a subsidiary of the Manhattan Insurance Group and were founded in 1949. Plans offered are A, B, C, D, F and G for those applying pre and post June 2010.
Their plans are very competitively priced in many areas for those turning age 65 or for those who are already Medicare beneficiaries. Policies are issued on an attained age basis in most states.
Spousal Discounts and Monthly Premiums
If both spouses apply together and are approved for coverage, then each will receive a 7% discount off of their regular premium. This discount will stay in force so long as both husband and wife are insured together.
Monthly premiums are determined by age, gender, and your zip code of residence. Unless you are applying during a period of guaranteed issue, then you will be rated up for tobacco use. Those who use no forms of tobacco will receive the best rates.
Family Life Underwriting
If you are applying during a period of guaranteed issue, then you do not need to answer any of the health questions. If not, then there are a handful of yes/no questions that need to be answered.
These are commonly referred to as “knockout questions” and if any one of them is answered yes, then you will not be eligible for coverage. You will not need to take a physical however.
Application Process
There are two ways to enroll in a Medicare supplement with Family Life. If you prefer, we can send you an application via email or regular mail. Once it is completed, you can send it back to us using email, by fax, or through regular mail. We will then send it off to the home office for processing and underwriting if any is needed.
Family Life will also accept applications taken over the phone by your agent. We can fill out the application online while we speak to you. There is no wet signature required. The underwriters will contact you to make sure that all questions have been answered correctly and to verify your enrollment.
Like most Medicare supplement companies, you can have your premiums withdrawn monthly from you bank account. This is the preferred method and assures that your coverage will not lapse should you miss a bill in the mail. Otherwise you can pay by bank check either quarterly, semi-annually or annually.
Purchasing Medicare Supplement Insurance
Hyers and Associates is an independent insurance agency providing Medicare supplement insurance from several carriers nationwide. We serve several states and offer Family Life policies in Arizona, California, Indiana, Ohio, Tennessee, and Texas.
