Got questions about the ACA Marketplace, Medicare enrollment, life insurance, or supplemental plans? Find clear, plain-English answers from JRF Services. Get the expert guidance you need to choose your physical and financial protection with confidence. For more in-depth answers and information visit our Insurance Services Blog or contact us . Frequently Asked Questions Health Insurance and ACA Plans ID Theft Protection and Credit Monitoring Life Insurance and Online Options Medicare Plans and Enrollment Supplemental and Family Protection Do you work with just one insurance company? No. JRF Services is an independent broker, so we can review plans from a broad marketplace of carriers and give you unbiased guidance. How does JRF Services help me choose the right coverage? We start by learning what matters most to you, then compare options from multiple carriers and explain them in plain language. Our goal is to help you find coverage that fits your needs, not push one carrier over another. Are your quotes and consultations free? Yes, JRF Services offers free quotes and expert consultations. That lets you review your options and ask questions before you make a decision. How can I enroll in a health insurance plan through the ACA marketplace? You can enroll in an ACA marketplace plan during the open enrollment period or if you qualify for a special enrollment period. JRF Services can guide you through the process and help you compare plans. What is the difference between in-network and out-of-network coverage? In-network coverage refers to services provided by healthcare providers who have agreements with your insurance plan, often at lower costs. Out-of-network coverage may involve higher costs or limited coverage. What is a Special Enrollment Period? A Special Enrollment Period allows you to enroll in health insurance outside of the Open Enrollment Period if you experience qualifying life events, such as marriage, childbirth, or job loss. How do subsidies work for health insurance? Subsidies, such as premium tax credits, help lower the cost of health insurance for eligible individuals and families based on their income and household size. What types of health insurance coverage options are available? Health insurance coverage options include HMOs, PPOs, EPOs, and POS plans. Each type offers different levels of flexibility, costs, and provider networks. Can I change my health insurance plan during the year? You can change your health insurance plan during the Open Enrollment Period or if you qualify for a Special Enrollment Period due to a life event. What is the Open Enrollment Period for health insurance? The Open Enrollment Period is the annual time when you can sign up for health insurance or make changes to your existing plan. It typically runs from November 1 to December 15.

Explore Home Health Care Insurance plans that may help provide financial support for qualifying home health care services. Compare available options online or speak with a licensed insurance agent through JRF Services. GET HOME HEALTH CARE INSURANCE ONLINE Help protect your finances while receiving qualifying care in the comfort of your own home. Home health care can provide comfort, convenience and support when illness, injury or changing health needs make everyday life more difficult. But care at home can also create expenses that may not be fully covered by your existing health insurance or other coverage. Home Health Care Insurance can provide additional benefits for qualifying covered services, helping you prepare for the financial impact of receiving care at home. With JRF Services, you can explore available coverage online or choose to speak with a licensed insurance agent before you apply. GET AN INSTANT QUOTE SCHEDULE A CALLBACK VIEW PLAN BROCHURE CARE AT HOME CAN COME WITH EXTRA EXPENSES The care you want may be at home—but the costs can add up. A serious illness, injury, recovery period or change in your ability to manage everyday activities can create a need for additional assistance at home. Depending on your situation, you may need help with nursing care, therapy, personal assistance, medical services or other qualifying care. Your existing health insurance may cover certain medical services, but you may still have expenses associated with receiving care. Home Health Care Insurance is designed to provide an additional layer of financial protection when qualifying covered services are needed. EXPLORE YOUR COVERAGE OPTIONS SUPPORT WHEN YOU NEED CARE AT HOME Coverage can provide benefits for qualifying services outlined in your policy. Depending on the plan selected, Home Health Care Insurance may provide benefits for eligible services such as: Home health care aide services Nursing care Physical therapy Occupational therapy Speech therapy Medical social services Certain respiratory or specialized therapies Prescription drug benefits Homemaker services on qualifying plans Other covered services described in the policy Benefits, limitations, eligibility requirements and availability vary by plan and state. Review the policy and plan materials carefully before purchasing coverage. Home Care Nursing Therapy Prescriptions Daily Support Recovery VIEW PLAN BENEFITS IS HOME HEALTH CARE COVERAGE RIGHT FOR YOU? Planning ahead can help you prepare before care is needed. Home Health Care Insurance may be worth considering if you want an additional layer of financial protection against the cost of qualifying care received at home. It may be especially relevant if you: Want to remain at home while receiving care Are concerned about the financial impact of future care needs Want to protect savings or retirement assets Want additional benefits beyond your existing health coverage Are planning ahead for unexpected health or recovery needs Want more options for receiving care outside of a traditional facility setting The right coverage depends on your health, financial situation, eligibility and the specific policy available to you. SEE AVAILABLE OPTIONS GET A HOME HEALTH CARE QUOTE PROTECT MORE THAN YOUR HEALTH Prepare for the financial side of receiving care. When care is needed, the financial impact can extend beyond medical bills. There may also be costs associated with assistance at home, recovery, transportation, prescriptions, household responsibilities and other everyday expenses. Home Health Care Insurance can provide an additional source of benefits for qualifying covered care, helping you prepare for expenses that could otherwise place pressure on your personal savings. Planning ahead gives you more choices—and can help you approach future care needs with greater confidence. FEATURES DESIGNED AROUND YOUR CARE NEEDS Explore available benefit options and coverage features. Home Health Care Homemakes Services Therapy Benefits Prescriptions Flexible Benefits Additional Benefits Available Home Health Care Insurance plans may offer a range of benefit features designed to provide flexibility when qualifying care is needed. Depending on the plan, available features may include: FLEXIBLE BENEFIT OPTIONS Choose from available benefit levels based on the plan and your eligibility. HOME HEALTH CARE BENEFITS Coverage may provide benefits for qualifying home health care services. THERAPY BENEFITS Certain plans may provide benefits for eligible physical, occupational, speech or other therapies. PRESCRIPTION BENEFITS Some plans include prescription-related benefits subject to policy terms. HOMEMAKER SERVICES Eligible plans may include benefits for qualifying homemaker services. ADDITIONAL OPTIONAL BENEFITS Certain plans may offer additional benefits for items such as ambulance services, home medical equipment, accident expenses or other qualifying expenses. Benefits vary by plan. Refer to the applicable brochure and policy documents for complete details. COMPARE AVAILABLE PLANS Explore available Home Health Care plan options. CHOOSE THE COVERAGE THAT FITS YOUR NEEDS JRF Services provides access to Home Health Care Insurance options designed to help you explore additional financial protection for qualifying care received at home. Home Health Care Enhanced Explore a broader Home Health Care Insurance option with available benefits and features designed to provide additional support for qualifying home-based care. VIEW BROCHURE GET AN INSTANT QUOTE Home Health Care Select Explore another Home Health Care Insurance option designed to provide benefits for qualifying home health care needs. VIEW BROCHURE GET AN INSTANT QUOTE Plan availability, benefits, eligibility, limitations, exclusions and premiums vary by policy and state. Review the applicable plan brochure and policy documents before applying. GETTING STARTED IS SIMPLE Choose the way you want to explore your coverage. STEP 1 — EXPLORE Review the available Home Health Care Insurance options and determine what type of protection you're looking for. STEP 2 — COMPARE Review plan benefits, coverage features, eligibility requirements and costs. STEP 3 — APPLY When you're ready, you can begin the application or quote process online. STEP 4 — GET HELP Prefer to talk with someone first? Schedule a call or request a callback from a licensed insurance agent who can answer questions and help you understand your available options. GET AN INSTANT QUOTE SCHEDULE A CALLBACK YOU CHOOSE HOW TO GET STARTED Online convenience or personal assistance—the choice is yours. Some people prefer to research and apply online. Others would rather talk with a licensed insurance professional before making a decision. JRF Services gives you both options GET STARTED ONLINE Review available plan information and begin the quote/application process online. GET AN INSTANT QUOTE TALK WITH A LICENSED AGENT Have questions about coverage, benefits or available options? Schedule a call or request a callback with a licensed insurance agent. BUTTON: SCHEDULE A CALLBACK NOT READY TO APPLY? That's okay. You can review plan information and brochures first, then decide whether you want to apply online or speak with an agent. VIEW PLAN BROCHURE HOME HEALTH CARE INSURANCE QUESTIONS? Here are answers to some common questions. What is Home Health Care Insurance? Home Health Care Insurance is designed to provide benefits for qualifying home health care and related services covered by the policy. It can provide an additional layer of financial protection when eligible care is needed. Does Home Health Care Insurance replace my health insurance? No. Home Health Care Insurance is generally designed as additional coverage rather than a replacement for major medical health insurance. What can Home Health Care Insurance cover? Coverage varies by plan. Depending on the policy, benefits may include qualifying home health care aide services, nursing care, therapy, prescription benefits and other covered services. Can I receive care at home instead of a facility? Certain Home Health Care Insurance plans are designed specifically around qualifying care received in the home. Coverage requirements and limitations vary by policy. Are Home Health Care Insurance benefits guaranteed? Benefits are subject to the terms, conditions, limitations and exclusions of the policy. Always review the actual policy documents before purchasing. Can I buy Home Health Care Insurance online? Yes, available plans may be explored and quoted online. If you prefer personal assistance, you can also schedule a call or request a callback with a licensed insurance agent. Do I have to talk to an agent? No. If you prefer an online experience, you can explore available options online. If you have questions or want assistance, you can choose to speak with a licensed insurance agent. Is Home Health Care Insurance available in every state? Plan availability, eligibility and benefits vary by state. Your available options will depend on where you live and the applicable insurance products. PLAN AHEAD FOR THE CARE YOU MAY NEED Protect your options. Protect your finances. Start exploring Home Health Care Insurance today. You can't always predict when you'll need additional help at home. But you can take steps to prepare. Explore available Home Health Care Insurance options online, review the plan information, or speak with a licensed insurance agent who can help you understand your choices. GET AN INSTANT QUOTE SCHEDULE A CALLBACK VIEW PLAN BROCHURE HAVE QUESTIONS? We're here to help you explore your options. SCHEDULE A CALL GET AN INSTANT QUOTE

Explore critical illness insurance that can provide a cash benefit after certain covered serious illnesses. Compare supplemental coverage with JRF Services. Protect More Than Your Health. Protect Your Finances. Critical illness insurance can provide a cash benefit when you experience a covered serious illness—helping you focus on recovery instead of worrying about every financial obligation. Health insurance can help cover eligible medical care, but a serious illness can affect much more than your medical bills. A qualifying cancer diagnosis, heart attack, stroke, or other covered critical illness may create additional financial pressure from deductibles, transportation, household bills, time away from work, caregiving, and other unexpected expenses. Critical illness insurance is supplemental coverage designed to provide an additional financial benefit when a covered condition meets the policy's requirements. JRF Services can help you explore available options and determine whether critical illness coverage fits alongside your existing health insurance. GET A CRITICAL ILLNESS QUOTE SCHEDULE A CALL Coverage, benefits, eligibility, exclusions, definitions and availability vary by plan and state. Review the policy and applicable outline of coverage before purchasing. A Serious Illness Can Affect More Than Your Medical Care Your health insurance may help with covered healthcare expenses. Critical illness coverage is designed to provide an additional financial benefit when a qualifying event occurs. SEE HOW CRITICAL ILLNESS COVERAGE WORKS When a serious illness happens, the financial impact can extend beyond the doctor's office. You may face: Deductibles and coinsurance Transportation to treatment Household bills Childcare or caregiving expenses Time away from work Recovery and rehabilitation costs Travel or lodging related to treatment Other everyday expenses A supplemental critical illness policy may provide a benefit that can help you address some of these financial pressures. The benefit is generally paid according to the policy's terms rather than functioning like traditional major medical insurance. How Critical Illness Insurance Works Simple in concept: coverage is purchased before a qualifying event, and benefits may be payable when the policy's requirements are met. Choose Your Coverage Explore available plans, benefit amounts, eligibility requirements and policy features. Pay Your Premium You maintain the policy according to its premium and policy requirements. A Covered Event Occurs If you experience a covered condition that meets the policy's definition and requirements, you may be eligible for a benefit. Receive the Applicable Benefit Depending on the policy, benefits may be paid directly to the insured and may be used for eligible financial needs as permitted by the policy. EXPLORE YOUR OPTIONS Want to See How Critical Illness Insurance Works? Watch this short presentation to learn how supplemental critical illness coverage may provide an additional layer of financial protection. EXPLORE CRITICAL ILLNESS OPTIONS A Benefit You Can Use Where You Need It Most A qualifying critical illness can create expenses that don't always fit neatly into a medical insurance claim. Depending on the policy, a critical illness benefit may help provide financial flexibility for expenses such as: Medical & Out-of-Pocket Costs Deductibles, coinsurance and other qualifying expenses. Household Expenses Mortgage or rent, utilities, groceries and other everyday obligations. Transportation Travel to and from treatment or medical facilities. Recovery & Rehabilitation Certain recovery-related expenses or services. Childcare & Caregiving Additional family responsibilities that may arise during treatment or recovery. Income Disruption Financial obligations that may become more difficult to manage when illness affects your ability—or a family member's ability—to work. Benefits and permitted uses depend on the policy. Critical illness insurance is supplemental coverage and does not replace comprehensive health insurance. GET A QUOTE What Conditions Can Critical Illness Insurance Cover? Coverage depends on the policy. Some plans may provide benefits for serious conditions such as cancer, heart attack, stroke and other qualifying critical illnesses. Depending on the plan selected, covered conditions may include: Cancer Heart attack Stroke Coma Paralysis Major organ transplant End-stage renal failure Major third-degree burns Coronary artery bypass surgery Other specified critical illnesses Important: A diagnosis does not automatically guarantee a benefit. The condition must meet the policy's specific definition and requirements. VIEW AVAILABLE COVERAGE Critical Illness Insurance Does Not Replace Health Insurance It is designed to work alongside your existing coverage—not instead of it. Your primary health insurance and critical illness insurance serve different purposes. Think of critical illness coverage as another layer of financial protection. SEE IF SUPPLEMENTAL COVERAGE FITS YOUR NEEDS ADDITIONAL FINANCIAL PROTECTION Health Insurance Helps pay for covered medical care Uses plan networks and medical cost-sharing Covers eligible healthcare services Designed for ongoing healthcare needs Critical Illness Insurance Provides a benefit after a qualifying covered event Benefit is determined by the supplemental policy Focuses on specified illnesses or events Designed for financial support following covered conditions Why Consider Critical Illness Coverage? It is designed to work alongside your existing coverage—not instead of it. Critical illness coverage may be worth exploring if: You have a high health insurance deductible. Your emergency savings would not cover a major financial disruption. You have a mortgage, rent or other significant monthly obligations. Your household depends heavily on your income. You have children or other family responsibilities. You want an additional layer of financial protection. You are concerned about the financial impact of cancer, heart attack or stroke. You want supplemental coverage alongside your existing health insurance. TALK WITH A LICENSED AGENT Explore Critical Illness Coverage Options Different supplemental plans are designed for different protection needs. Cancer Coverage Coverage designed around qualifying cancer-related events and benefits. EXPLORE CANCER COVERAGE Cancer + Heart Attack & Stroke A lump-sum approach designed to provide financial protection for qualifying cancer, heart attack and stroke events. VIEW CANCER + HEART & STROKE Critical Protection & Recovery Coverage designed around specified serious critical illnesses and may include benefits such as first-occurrence, monthly income and recurrence benefits, depending on the policy. VIEW CRITICAL PROTECTION Condition/ Benefit Cancer Heart Attack Stroke Other Critical Events Lump-Sum Benefit Recurrence Benefits Hospital Benefit Cancer Plan ✓ — — — ✓ Plan-dependent Plan-dependent Cancer + Heart & Stroke ✓ ✓ ✓ Plan-dependent ✓ Optional/Plan-dependent Plan-dependent Critical Protection & Recovery Plan-dependent ✓ ✓ ✓ Plan-dependent ✓ Plan-dependent Coverage Designed Around Recovery Depending on the policy, critical illness coverage may include more than a single benefit. Potential policy features may include: First Occurrence Benefit A benefit associated with the first qualifying covered event. Monthly Income Benefit Certain plans may provide additional monthly benefits following a qualifying event. Recurrence Benefit Some plans may provide additional benefits if a qualifying event recurs under the policy's requirements. Hospital Confinement Benefit Certain plans may provide benefits associated with qualifying hospital confinement. Transportation & Lodging Benefits Some policies may include transportation or lodging-related benefits. Waiver of Premium Certain plans may include provisions that waive premiums under qualifying circumstances. Not every plan includes every benefit. Benefits, amounts, waiting periods, exclusions and eligibility vary by policy and state. Don't Just Buy a Policy. Understand What You're Buying. JRF Services helps you explore supplemental coverage with a focus on fit, clarity and financial protection. Insurance terminology can be confusing. Our job is to make it easier to understand your options. With JRF Services, you can: Explore available supplemental insurance options. Understand what a policy is designed to cover. Review benefit amounts and features. Ask questions about exclusions and limitations. Compare available solutions based on your needs. Choose whether to continue online or speak with a licensed insurance professional. We help you understand the coverage before you make a decision. SCHEDULE A CALL GET A QUOTE ONLINE Already Have Health Insurance? You May Still Want to Explore Supplemental Protection. The question isn't whether your health insurance works. It's whether your overall financial protection is enough for a serious illness. Health insurance can provide important protection against covered medical expenses. But you may still have financial exposure from: Deductibles Coinsurance Travel Household expenses Lost income Caregiving Recovery-related costs Critical illness insurance can be considered as an additional layer of protection for qualifying events. CHECK YOUR COVERAGE GAPS EXPLORE YOUR OPTIONS Who May Benefit From Critical Illness Coverage? There is no single right answer. The right amount of coverage depends on your health plan, finances, household responsibilities and risk tolerance. Critical illness coverage may be worth considering for: INDIVIDUALS People who want additional financial protection beyond their primary health insurance. FAMILIES Households that would face financial strain if a serious illness interrupted income or created additional expenses. HIGH-DEDUCTIBLE HEALTH PLAN MEMBERS People who have significant deductibles or cost-sharing exposure. SELF-EMPLOYED WORKERS Individuals who may have limited employer-sponsored benefits or paid leave. WORKING HOUSEHOLDS People who rely heavily on earned income to meet monthly obligations. PRE-RETIREES Individuals who want to consider additional protection before retirement. Critical Illness Insurance FAQ Get answers to common questions before you apply. What is critical illness insurance? Critical illness insurance is supplemental coverage designed to provide a benefit when an insured person experiences a covered condition that meets the policy's requirements. Does critical illness insurance replace health insurance? No. Critical illness insurance is supplemental coverage and is not designed to replace comprehensive health insurance. What illnesses can critical illness insurance cover? Coverage varies by policy. Depending on the plan, covered conditions may include cancer, heart attack, stroke and other specified critical illnesses. How does a critical illness benefit work? If a covered condition occurs and the policy requirements are satisfied, the policy may provide the applicable benefit. The amount and payment conditions depend on the policy. Can I use the benefit for things other than medical bills? Depending on the policy, benefits paid directly to the insured may provide financial flexibility for expenses such as household bills, transportation, childcare, lost income or other needs. Always review the specific policy terms. Does a heart attack automatically qualify? Not necessarily. The policy defines what constitutes a covered heart attack, and the event must satisfy those requirements. Does every cancer diagnosis qualify? Not necessarily. Cancer definitions, exclusions, waiting periods and benefit provisions vary by policy. Can I have critical illness insurance if I already have health insurance? Yes, critical illness coverage is generally designed as supplemental protection that can work alongside other health coverage, subject to eligibility and policy terms. How much critical illness coverage should I buy? There is no universal amount. Consider your emergency savings, deductible, monthly obligations, income, dependents and the potential financial impact of a serious illness. Is critical illness insurance worth it? It depends on your financial situation and existing coverage. The best way to evaluate it is to compare the potential financial exposure from a serious illness with the cost and benefits of available supplemental coverage. Can I get a critical illness quote online? Some plans may allow online quoting or application. JRF Services can also help you explore available options and answer questions before you apply. Are critical illness plans available in every state? Availability, eligibility, benefits and policy provisions vary by state and product. Protect Your Financial Future From the Unexpected A serious illness can change your life quickly. Make sure you understand your options before you need them. Explore critical illness insurance and other supplemental protection available through JRF Services. Get a quote online or speak with a licensed insurance professional about your options. GET A CRITICAL ILLNESS QUOTE SCHEDULE A CALL Coverage, eligibility, benefits, exclusions, limitations and availability vary by plan and state. Policy documents and applicable disclosures control. Explore More Ways to Protect Your Financial Health Critical illness coverage is only one part of a broader supplemental insurance strategy. Personal Accident Protection for qualifying accidental injuries and expenses. VIEW PERSONAL ACCIDENT > Cancer, Heart Attack & Stroke Explore coverage designed around qualifying cancer, heart attack and stroke events. VIEW COVERAGE > Hospital Indemnity Explore supplemental benefits associated with qualifying hospital stays. VIEW HOSPITAL COVERAGE > Supplemental Insurance Explore JRF Services' broader supplemental insurance solutions. ALL SUPPLEMENTAL PLANS > Important Coverage Information Critical illness insurance is supplemental insurance and is not a substitute for comprehensive medical insurance. Coverage, benefits, benefit amounts, definitions, exclusions, limitations, waiting periods, eligibility requirements, premiums and availability vary by insurance company, policy and state. A condition must meet the applicable policy's definition and requirements for benefits to be payable. Please review the policy, outline of coverage and applicable disclosures before purchasing. JRF Services is an independent insurance brokerage and licensed insurance agency. Availability of specific products and carriers may vary by state.

Explore Cancer, Heart Attack & Stroke insurance with JRF Services. Supplemental coverage may provide cash benefits for covered conditions to help with medical and everyday expenses. Get Protection for Your Finances as well as Your Health. Supplemental coverage for life's most serious health events A serious cancer diagnosis, heart attack, or stroke can affect much more than your health. Medical care may be only one part of the financial challenge. Cancer, Heart Attack & Stroke supplemental insurance can provide benefits for covered conditions, giving you additional financial resources when you need them most. Use eligible benefits to help with medical expenses, household bills, transportation, lost income, caregiving, recovery, or other expenses allowed by your policy. Coverage, eligibility, benefits, exclusions, limitations, and definitions vary by plan and policy. GET A QUOTE SCHEDULE A CALL When Your Health Changes, Your Finances Can Change Too. Health insurance may help with covered medical care. But what about everything else? A serious illness can create expenses that extend beyond the medical bill. Even with health insurance, you may still have deductibles, copayments, transportation costs, household bills, time away from work, caregiving expenses, and other financial responsibilities. That's where supplemental protection may help. Depending on your policy, benefits may provide additional funds following a qualifying covered condition—giving you greater flexibility during a difficult time. EXPLORE YOUR COVERAGE OPTIONS Additional Financial Protection When You Need It Designed to complement—not replace—your primary health insurance Cancer, Heart Attack & Stroke insurance is supplemental coverage. Your primary health insurance generally helps pay for covered medical services. Supplemental coverage is designed to provide additional benefits when you experience a qualifying condition or event covered by your policy. Depending on the plan, benefits may be paid directly to you. That can give you flexibility to use eligible benefits where they are needed most. EXPERIENCE A COVERED CONDITION A qualifying diagnosis or event occurs according to the policy's definition. SUBMIT YOUR CLAIM Your claim is reviewed according to the policy's requirements. RECEIVE YOUR BENEFIT If approved, the applicable benefit is paid according to the policy terms. SEE AVAILABLE PLANS Want to See How Cancer, Heart Attack, & Stroke Insurance Works? Watch this short presentation to learn how supplemental cancer, heart attack, and stroke coverage may provide an additional layer of financial protection. EXPLORE CANCER, HEART ATTACK & STROKE EXPLORE CANCER CARE PLUS Your Benefit. Your Priorities. Medical expenses aren't the only financial challenge after a serious diagnosis. Depending on the policy and benefit received, supplemental benefits may help you manage expenses such as: MEDICAL BILLS Help with eligible out-of-pocket healthcare expenses. HOUSEHOLD BILLS Help keep everyday financial obligations on track TRANSPORTATION Help with transportation-related costs during treatment or recovery. LOST INCOME Help provide additional financial flexibility when illness affects your ability to work. CAREGIVING Help address certain caregiving or support-related expenses. RECOVERY Help provide financial resources while you focus on treatment and recovery. Benefits may be subject to policy terms, conditions, exclusions, limitations, and qualifying requirements. GET A PERSONALIZED QUOTE Financial Support When Cancer Changes Your Plans Additional protection designed around qualifying cancer-related events Cancer treatment can involve more than doctor's visits and hospital bills. Depending on the plan selected, cancer coverage may provide benefits associated with qualifying cancer diagnoses and certain related services or expenses. Available benefits can vary by policy and may include provisions related to hospitalization, treatment, transportation, lodging, screening, surgery, prescribed medications, or other covered services. Some plans may also offer optional recurrence or restoration features. Coverage is based on the policy—not simply on the presence of a medical diagnosis. EXPLORE CANCER COVERAGE Protection for Unexpected Cardiovascular Events Because recovery can affect both your health and your finances A heart attack or stroke can create immediate medical needs and potentially affect work, transportation, household responsibilities, and recovery. Supplemental heart attack and stroke coverage can provide benefits when a qualifying event meets the policy's definition. Depending on the plan, coverage may include a first-occurrence benefit and optional features designed to provide additional protection. EXPLORE HEART & STROKE COVERAGE Choose the Protection That Fits Your Needs Coverage can be structured around the financial risks you want to address. Depending on eligibility and availability, you may be able to choose: CANCER COVERAGE Focused supplemental protection for qualifying cancer-related events. HEART & STROKE COVERAGE Additional financial protection for qualifying heart attack and stroke events. COMBINED COVERAGE Cancer plus heart and stroke protection in one supplemental solution. OPTIONAL RIDERS Some plans may offer additional features such as recurrence, restoration, critical care, or other supplemental benefits. COMPARE YOUR OPTIONS Coverage Designed Around Your Financial Needs Select an amount that helps address the financial gap you're trying to protect. Available coverage amounts vary by plan, eligibility, underwriting, and state. Certain available plans may offer combined coverage amounts of up to $150,000. Rather than simply choosing the largest benefit available, consider the financial obligations you would want additional protection to help address if a covered serious illness occurred. Potential financial considerations include: Deductibles and out-of-pocket expenses Mortgage or rent Monthly household bills Transportation Lost income Caregiving Recovery-related expenses Emergency savings FIND YOUR COVERAGE OPTION $150,000 is an available maximum for certain plans and does not represent a guaranteed benefit or coverage amount for every applicant. Benefits, eligibility, exclusions, limitations, and available amounts vary by policy. Don't Just Buy a Policy. Understand What You're Buying. JRF Services helps you evaluate supplemental coverage with the bigger financial picture in mind. Choosing supplemental insurance shouldn't be about selecting the biggest number on a brochure. It should be about understanding what the policy actually covers, what triggers a benefit, what exclusions apply, and how the coverage fits alongside the insurance you already have. As an independent insurance brokerage, JRF Services can help you explore available options and understand the differences between plans before you apply. CLEAR EXPLANATIONS We explain coverage in plain English—not insurance jargon. OPTIONS TO CONSIDER We help you evaluate available supplemental solutions based on your needs. PERSONAL GUIDANCE Prefer to speak with someone? Schedule a call with JRF Services and discuss your options with a licensed insurance professional. TALK WITH JRF SERVICES Already Have Health Insurance? You May Still Have Financial Gaps. Supplemental insurance is designed to work alongside your existing coverage. SEE IF SUPPLEMENTAL COVERAGE FITS YOUR NEEDS Having health insurance is important—but it doesn't necessarily eliminate every financial consequence of a serious illness. Your health plan may help cover eligible medical care while you remain responsible for applicable deductibles, copayments, coinsurance, and other expenses. And medical expenses aren't the only concern. A serious illness may also affect your income, transportation, childcare, household expenses, or ability to work. Supplemental coverage may provide another layer of financial protection for qualifying conditions. The Details Matter.The Details Matter. Before choosing a plan, understand what you're actually buying. When comparing supplemental coverage, consider: CHECKLIST Covered Conditions Which diagnoses and events qualify? Definitions How does the policy define cancer, heart attack, or stroke? Benefit Amount How much could the policy pay for a qualifying event? Waiting Periods Does coverage have a waiting period? Exclusions & Limitations What situations or conditions are excluded? Recurrence Are additional benefits available if a covered condition returns? Benefit Reduction Does the benefit change after a claim? Premium What will the coverage cost over time? Eligibility Do you meet the plan's application requirements? COMPARE YOUR OPTIONS WITH JRF Questions? Start Here. Straightforward answers about supplemental serious-illness coverage. FAQ What is Cancer, Heart Attack & Stroke insurance? It is supplemental insurance designed to provide benefits when an insured experiences a qualifying cancer, heart attack, stroke, or other covered event according to the policy. Is this the same as health insurance? No. Supplemental coverage is designed to complement—not replace—major medical health insurance. How are benefits paid? Depending on the policy and qualifying event, benefits may be paid directly to the insured according to the policy terms. Can I use the money for non-medical expenses? Depending on the policy and benefit, funds may provide flexibility for expenses beyond medical bills. Always review the specific policy provisions. Does every cancer diagnosis qualify? Not necessarily. The policy defines what constitutes a covered cancer diagnosis and may include specific exclusions, limitations, waiting periods, or other requirements. Does every heart attack qualify? Not necessarily. The policy defines what constitutes a covered heart attack. Does every stroke qualify? Not necessarily. Coverage depends on the policy's definition and applicable requirements. Can I get cancer-only coverage? Some plans may offer cancer-only coverage, while other options may combine cancer with heart attack and stroke protection. Can I get heart and stroke coverage without cancer coverage? Depending on the available plan and eligibility, heart and stroke coverage may be available separately. How much coverage can I get? Coverage amounts vary by plan and eligibility. Certain available plans may offer combined coverage amounts up to $150,000. Can I add riders? Some plans may offer optional riders or additional benefits. Availability depends on the policy. Do I need health insurance first? These plans are supplemental and are generally intended to complement major medical coverage rather than replace it. How do I know which plan is right for me? Consider your existing insurance, savings, income, household expenses, financial obligations, and the types of risks you want additional protection against. A licensed insurance professional can help you evaluate available options. Protect Your Health. Protect Your Savings. Protect Your Options. Let's explore supplemental coverage designed around your financial needs. You can't always predict when a serious illness will happen. But you can take steps to prepare for the financial impact. JRF Services can help you explore Cancer, Heart Attack & Stroke supplemental insurance and understand your available options before you apply. GET A QUOTE SCHEDULE A CALL VIEW PLAN DETAILS Important Information Cancer, Heart Attack & Stroke insurance is supplemental coverage and is not a substitute for comprehensive major medical health insurance. Coverage, benefits, eligibility, definitions, premiums, exclusions, limitations, waiting periods, riders, and availability vary by policy, plan, state, and applicant. Policy documents and certificates of coverage govern actual benefits. Benefits are payable only when the applicable policy requirements are satisfied. The information presented on this page is for educational purposes and is not a guarantee of coverage or benefits. HAVE QUESTIONS? CONTACT JRF SERVICES > Serious Health Events Can Create Serious Financial Challenges 2.1 MILLION Estimated new cancer cases in the U.S. in 2026. 805,000 Approximately this many heart attacks occur in the U.S. each year, according to the American Heart Association's current estimate. 795,000+ People in the U.S. have a stroke each year.

Hospital indemnity insurance can provide cash benefits when you experience a covered hospital stay or medical event. Explore supplemental coverage online or speak with a licensed JRF Services insurance agent. HELP PROTECT YOUR FINANCES WHEN YOU HAVE TO USE YOUR HEALTH INSURANCE Supplemental coverage designed to help with the financial impact of a covered hospital stay. Even with health insurance, a hospital stay can create unexpected expenses. Deductibles, copays, coinsurance and other out-of-pocket costs can add up quickly. And your regular household bills don't stop while you're recovering. Hospital indemnity insurance can provide defined cash benefits for covered hospital stays and other eligible medical events—helping give you additional financial support when you need it most. Explore your options online or speak with a licensed JRF Services insurance agent. GET AN INSTANT QUOTE SCHEDULE A CALL VIEW PLAN INFORMATION Affordable Choice Brochure > | Hospital Indemnity Select > YOUR HEALTH INSURANCE IS IMPORTANT. SO IS YOUR FINANCIAL PROTECTION. Medical coverage can help pay for your care—but you may still have expenses to manage. Your major medical health insurance is designed to help cover eligible medical care. But when you are hospitalized, you may still have financial responsibilities such as: Deductibles Copays Coinsurance Transportation Childcare Household expenses Groceries Mortgage or rent Utilities Other everyday expenses Hospital indemnity insurance is designed to work alongside your existing health coverage by providing specified benefits for covered events. Depending on the policy, benefits may be paid directly to you, giving you flexibility in how you use the money. SEE YOUR HOSPITAL INDEMNITY OPTIONS HOW DOES HOSPITAL INDEMNITY INSURANCE WORK? Simple coverage designed to provide additional financial support when a covered event occurs. Hospital indemnity insurance is supplemental coverage that can provide a predetermined benefit when you experience a covered hospitalization or other eligible medical event. Here's the basic process: 1. CHOOSE YOUR COVERAGE Select a hospital indemnity plan based on your needs, eligibility and budget. 2. PAY YOUR PREMIUM You pay the premium required by your selected policy. 3. EXPERIENCE A COVERED EVENT If you experience a covered hospitalization, confinement or other eligible event, you can submit a claim according to the policy requirements. 4. RECEIVE YOUR BENEFIT If the claim is approved, the policy pays the applicable benefit according to the terms of your coverage. 5. USE THE BENEFIT WHERE YOU NEED IT Depending on the policy, the benefit may be paid directly to you and can help with eligible financial needs associated with your recovery. GET A HOSPITAL INDEMNITY QUOTE EXTRA FINANCIAL SUPPORT WHEN YOU NEED IT A hospital stay can affect much more than your medical bills. A hospitalization can create financial pressure beyond the hospital bill itself. Depending on your policy and the covered event, hospital indemnity benefits may help provide additional financial support for expenses such as: RECOVERY EXPENSES Other personal expenses you may need to manage while recovering. MEDICAL OUT-OF-POCKET COSTS Deductibles, copays, coinsurance and other eligible expenses. EVERYDAY HOUSEHOLD BILLS Rent, mortgage payments, utilities and groceries don't stop when you're hospitalized. FAMILY EXPENSES Childcare, caregiving or other household needs that may arise during recovery. TRANSPORTATION Getting to and from medical appointments or other necessary travel. Other Financial Needs Additional expenses your beneficiaries may face after your death. EXPLORE AVAILABLE PLANS COULD HOSPITAL INDEMNITY COVERAGE MAKE SENSE FOR YOU? It may be worth considering if a hospital stay could put pressure on your budget. Hospital indemnity insurance may be worth considering if you: Have a health plan with a significant deductible Have copays or coinsurance that could add up during a hospitalization Want additional financial protection against unexpected hospital expenses Prefer having supplemental coverage alongside your major medical insurance Want coverage that can provide defined benefits for eligible hospital-related events Have a family and want additional financial protection against unexpected medical events Want additional financial support while recovering from a covered hospitalization The right coverage depends on your individual circumstances, eligibility, budget and existing health insurance. TALK WITH A LICENSED AGENT CHOOSE THE TYPE OF COVERAGE THAT FITS YOUR NEEDS JRF Services can help you explore hospital indemnity options based on your age, coverage needs and budget. Hospital indemnity coverage isn't one-size-fits-all. Depending on eligibility and availability, JRF Services offers hospital indemnity options designed to provide different levels and types of supplemental benefits. HOSPITAL INDEMNITY — AFFORDABLE CHOICE Flexible supplemental protection for eligible individuals and families. This option is designed for individuals who want additional financial protection alongside their existing health coverage. Depending on the selected plan and state availability, benefits may include coverage for eligible hospital admissions, surgery, outpatient services, physician visits and other covered medical events. POTENTIAL FEATURES Hospital admission benefits Surgical benefits Outpatient benefits Physician office visit benefits Prescription-related benefits Additional optional benefits may be available Family coverage options may be available Benefits may be available from the beginning of coverage, subject to policy terms VIEW BROCHURE GET A QUOTE HOSPITAL INDEMNITY SELECT Supplemental protection designed to help address hospital-related out-of-pocket exposure. This option is designed for individuals who want additional financial support for eligible hospital-related events. Depending on the selected coverage and state availability, benefits may include hospital confinement, observation and other eligible services. POTENTIAL FEATURES Hospital confinement benefits Observation benefits Mental health benefits Optional skilled nursing facility coverage Optional first-day hospital admission benefits Other policy-specific benefits may be available Plan names, benefits, eligibility, availability, limitations and exclusions vary by state and policy. VIEW BROCHURE GET A QUOTE HOSPITAL INDEMNITY IS DESIGNED TO WORK ALONGSIDE YOUR HEALTH INSURANCE Think of it as an additional layer of financial protection. Your major medical health insurance is designed to help cover eligible medical care. Hospital indemnity insurance serves a different purpose. It can provide defined supplemental benefits when you experience a covered hospitalization or other eligible event. That means you don't have to think of hospital indemnity as replacing your health insurance. Instead, it can provide an additional layer of financial protection when you actually need to use your health coverage. HEALTH INSURANCE Helps cover eligible medical care HOSPITAL INDEMNITY Provides supplemental benefits for covered events ADDITIONAL FINANCIAL SUPPORT COMPARE YOUR OPTIONS GET MORE THAN A QUOTE. GET HELP UNDERSTANDING YOUR OPTIONS. Choose the way you want to shop for coverage. insurance doesn't have to be complicated. With JRF Services, you can explore available supplemental coverage online or choose to speak with a licensed insurance agent before making a decision. You decide how you want to move forward. SHOP ONLINE Review available coverage and get started online from the convenience of home. GET AN INSTANT QUOTE TALK WITH A LICENSED AGENT Have questions about hospital indemnity coverage or how supplemental insurance may fit alongside your existing coverage? Schedule a conversation with a licensed JRF Services insurance agent. SCHEDULE A CALL WANT TO EXPLORE OTHER OPTIONS? If hospital indemnity isn't the right fit, we can help you explore other supplemental insurance solutions that may better match your needs. EXPLORE SUPPLEMENTAL INSURANCE HOSPITAL INDEMNITY IS ONE PIECE OF THE PUZZLE Depending on your needs, other supplemental coverage may also be worth considering. Hospital indemnity isn't the only type of supplemental insurance available. Depending on your situation, you may also want to explore coverage designed to help with: Accidents and injuries Critical illnesses Cancer Heart attack and stroke Dental, vision and hearing expenses Out-of-pocket medical expenses Home Health Care Short-Term Care Final Expenses JRF Services can help you explore your options and determine which types of supplemental coverage may make sense for your situation. EXPLORE SUPPLEMENTAL INSURANCE SCHEDULE A CALL HOSPITAL INDEMNITY INSURANCE QUESTIONS? Here are answers to some of the questions people ask before applying. What is hospital indemnity insurance? Hospital indemnity insurance is supplemental coverage that can provide defined benefits when you experience a covered hospitalization or other eligible medical event. Is hospital indemnity insurance the same as health insurance? No. Hospital indemnity insurance is supplemental coverage and is not a substitute for comprehensive major medical health insurance. Can hospital indemnity insurance work with my existing health insurance? Yes. Hospital indemnity coverage is generally designed to supplement existing health coverage. Your specific policy determines how benefits work. How does hospital indemnity insurance pay benefits? Benefits are based on the terms of the policy and the covered event. Depending on the plan, benefits may be paid directly to the insured. What can I use my hospital indemnity benefit for? Depending on the policy, benefits paid directly to you may provide financial support for medical or everyday expenses. Always review the specific policy for applicable terms and restrictions. Does hospital indemnity cover every hospital stay? No. Coverage is subject to the policy's covered events, limitations, exclusions and other requirements. Can I purchase hospital indemnity insurance for my family? Some plans offer family coverage. Eligibility and available options vary by plan and state. Can I get hospital indemnity insurance if I already have health insurance? Hospital indemnity insurance is specifically designed as supplemental coverage and may be considered alongside existing health insurance. Does hospital indemnity insurance replace my health insurance? No. Hospital indemnity insurance should not be viewed as a replacement for comprehensive health insurance. How do I get a hospital indemnity quote? You can request an instant quote online or schedule a call with a licensed JRF Services insurance agent to discuss your options. DON'T WAIT UNTIL A HOSPITAL STAY PUTS YOUR BUDGET TO THE TEST. Explore supplemental hospital coverage today. A hospital stay can affect more than your health. It can affect your budget, your household and your ability to keep up with everyday expenses while you recover. Hospital indemnity insurance can provide an additional layer of financial protection for covered events. Explore your options online or speak with a licensed JRF Services insurance agent. GET AN INSTANT QUOTE SCHEDULE A CALL CONTACT JRF SERVICES IMPORTANT INFORMATION Hospital indemnity insurance is supplemental coverage and is not comprehensive health insurance. It does not replace major medical health insurance. Benefits are subject to the terms, conditions, limitations and exclusions of the applicable policy. Coverage, benefits, eligibility, premiums and availability may vary by state and plan. Review the policy documents and applicable plan materials carefully before purchasing coverage. If you need comprehensive health insurance coverage, JRF Services can also help you explore available health insurance options. EXPLORE HEALTH INSURANCE READY TO EXPLORE YOUR OPTIONS? Shop online or speak with a licensed JRF Services insurance agent. Choose the option that's right for you. SHOP ONLINE Get started with an online quote. TALK TO AN AGENT Have questions? Schedule a call with a licensed insurance agent. GET AN INSTANT QUOTE SCHEDULE A CALL

Explore Final Expense Insurance designed to help cover funeral costs, medical expenses, debts, and other final expenses. Get an online quote or speak with a licensed insurance agent through JRF Services. FINAL EXPENSE INSURANCE Help Protect Your Loved Ones From the Financial Burden of Final Expenses Final expenses can create a financial burden for the people you leave behind. Final Expense Insurance is designed to provide a permanent life insurance benefit that can help your loved ones handle eligible expenses after your death. Whether you're planning ahead for funeral expenses, medical bills, outstanding debts, or other final costs, the right coverage can help provide your family with financial support when they need it most. With JRF Services, you can explore your options online or speak with a licensed insurance agent before deciding how you want to move forward. GET AN INSTANT QUOTE SCHEDULE A CALLBACK VIEW FINAL EXPENSE BROCHURE PLAN AHEAD. PROTECT THE PEOPLE YOU LOVE. Final expenses shouldn't become your family's financial responsibility. When a loved one passes away, family members may be dealing with emotional loss while also trying to manage unexpected financial responsibilities. Final Expense Insurance can provide a dedicated source of life insurance protection that may help your beneficiaries handle eligible expenses and financial obligations. Planning ahead gives you the opportunity to make decisions about your coverage now—rather than leaving your loved ones to figure everything out later. EXPLORE YOUR COVERAGE OPTIONS IS FINAL EXPENSE COVERAGE RIGHT FOR YOU? A simple way to plan for expenses your loved ones may otherwise have to handle. Final Expense Insurance may be worth considering if you want to leave your family with financial resources to help address expenses after your death. It may be a good fit for people who: Want to plan ahead for funeral or burial expenses Want to help reduce the financial burden on family members Want permanent life insurance protection Want coverage that can remain in force as long as the policy remains active Want to leave money to beneficiaries for eligible expenses and other financial needs Prefer a straightforward life insurance solution Coverage, eligibility, premiums, benefits, and underwriting requirements vary by policy and state. SEE YOUR OPTIONS HELP COVER THE EXPENSES THAT MATTER Your life insurance benefit can give your beneficiaries financial flexibility when they need it. Final Expense Insurance isn't necessarily limited to one specific type of expense. Depending on the policy and how the benefit is used, beneficiaries may use the proceeds to help address a variety of financial obligations. Potential expenses may include: Funeral & Burial Costs Funeral, burial, cremation and related expenses. Medical Expenses Outstanding medical or healthcare-related bills. Household Expenses Mortgage, rent, utilities and other household obligations. Personal Debts Credit cards, personal loans and other outstanding balances. Transportation Expenses Auto loans and other transportation-related obligations. Other Financial Needs Additional expenses your beneficiaries may face after your death. GET A FINAL EXPENSE QUOTE PERMANENT PROTECTION WITH A SIMPLE PURPOSE Build a plan today that can help provide financial support for your loved ones later. Final Expense Insurance is generally structured as a form of permanent whole life insurance. Unlike temporary coverage that is designed to last for a specific term, permanent life insurance is designed to remain in force for your lifetime as long as the policy requirements are met. Depending on the policy, coverage may include: A death benefit for your beneficiaries Premiums that are designed to remain level Coverage that does not decrease as you age, subject to the policy terms Cash value accumulation Potential additional benefits or riders Coverage designed specifically for long-term financial planning Always review the individual policy contract for the exact benefits, limitations, exclusions and requirements. LEARN ABOUT YOUR OPTIONS FEATURES DESIGNED FOR LONG-TERM PROTECTION The right policy can provide predictable protection and financial value. Depending on the policy you qualify for, Final Expense Insurance may offer features such as: Level Premiums Premiums may be designed to remain level according to the policy terms. Permanent Coverage Coverage is designed to remain in force for life as long as policy requirements are met. Death Benefit Your beneficiaries receive the policy's death benefit according to the contract. Cash Value Some whole life policies accumulate cash value over time. Flexible Financial Support Beneficiaries may have flexibility in how the death benefit is used, subject to applicable law and policy terms. Optional Riders Additional benefits may be available depending on your age, eligibility and policy. GET AN INSTANT QUOTE CHOOSE HOW YOU WANT TO GET STARTED Online when you want convenience. Personal guidance when you want help. JRF Services gives you more than one way to explore Final Expense Insurance. GET STARTED ONLINE Prefer to handle things yourself? Use the online quote and application process to explore available coverage from the convenience of home. GET AN INSTANT QUOTE TALK WITH A LICENSED AGENT Have questions or want someone to walk through your options with you? Schedule a call or request a callback from a licensed insurance agent who can help you understand available coverage and answer your questions. SCHEDULE A CALLBACK NOT READY TO APPLY? That's okay. You can review the information, request a brochure, or speak with an agent before making a decision. VIEW PLAN BROCHURE GET STARTED IN FOUR SIMPLE STEPS Explore your options, get your quote and choose the path that's right for you. STEP 1 1. EXPLORE YOUR OPTIONS Learn how Final Expense Insurance works and determine what you want your coverage to accomplish. STEP 2 2. GET A QUOTE Request an online quote based on your information and available eligibility. STEP 3 3. APPLY ONLINE OR TALK WITH AN AGENT Choose the online process or speak with a licensed insurance agent before applying. STEP 4 4. REVIEW YOUR COVERAGE Before purchasing, review your policy documents carefully so you understand the benefits, premiums, exclusions and requirements. GET STARTED TODAY Explore → Quote → Apply → Protect FINAL EXPENSE INSURANCE QUESTIONS? Here are answers to some of the questions people ask before applying. What is Final Expense Insurance? Final Expense Insurance is generally a type of permanent life insurance designed to provide a death benefit that can help beneficiaries address funeral costs and other financial obligations after the insured's death. Is Final Expense Insurance the same as whole life insurance? Final Expense Insurance is commonly structured as whole life insurance, but available products and policy features vary. Review the specific policy for its benefits and requirements. What can the death benefit be used for? Depending on applicable law and the policy structure, beneficiaries generally have flexibility in how life insurance proceeds are used. They may use the benefit to help address funeral expenses, medical bills, debts, household expenses and other financial needs. Does Final Expense Insurance build cash value? Many whole life policies are designed to build cash value over time. The amount and availability depend on the specific policy. Do premiums increase as I get older? Some whole life policies are designed with level premiums. The exact premium structure depends on the policy you purchase. Can I get Final Expense Insurance without a medical exam? Some final expense policies may use simplified underwriting or may not require a traditional medical exam, but eligibility and underwriting requirements vary. How much Final Expense coverage should I buy? That depends on your anticipated expenses, debts, financial goals and budget. A licensed insurance agent can help you evaluate available options. Can I apply for Final Expense Insurance online? Yes, if an online application is available for the coverage for which you qualify. You can also choose to speak with a licensed insurance agent. HAVE MORE QUESTIONS? SCHEDULE A CALLBACK > PROTECT YOUR LOVED ONES FROM THE FINANCIAL BURDEN OF FINAL EXPENSES Planning ahead today can give your family more financial support when they need it most. Final Expense Insurance can be an important part of planning for the future. Whether you already know how much coverage you want or you're just beginning to explore your options, JRF Services makes it easy to get started. Get your quote online or speak with a licensed insurance agent who can help you understand your available options. GET AN INSTANT QUOTE VIEW BROCHURE > SCHEDULE A CALLBACK READY TO PLAN AHEAD? Get started online or speak with a licensed insurance agent. GET AN INSTANT QUOTE SCHEDULE A CALLBACK