Explore Dental, Vision & Hearing insurance plans for individuals and families. Compare coverage options, benefits, deductibles and waiting periods with JRF Services. Coverage for the Care You Use Every Day Dental visits, eye care and hearing services can add up quickly. Explore supplemental coverage designed to help you manage eligible dental, vision and hearing expenses. Your health insurance may not cover every type of everyday care you need. Dental services, routine vision care, glasses, contacts, hearing exams and hearing aids can create expenses that are easy to overlook when planning your healthcare budget. JRF Services helps individuals and families explore Dental, Vision & Hearing insurance options designed to provide additional financial protection for these everyday healthcare needs. Choose from flexible plan options, compare benefits and find coverage that fits your needs and budget. GET AN INSTANT QUOTE SCHEDULE A CALL WITH JRF SERVICES > COMPARE PLAN OPTIONS > Your Health Coverage May Not Cover Everything Supplemental coverage can help address everyday healthcare expenses that may fall outside your primary medical coverage. DENTAL CARE Cleanings • Fillings • Crowns VISION CARE Eye Exams • Glasses • Contacts HEARING CARE Hearing Exams • Hearing Aids Many people assume their health insurance or Medicare coverage automatically takes care of dental, vision and hearing needs. That isn't always the case. Original Medicare, for example, generally does not cover most routine dental care, routine eye exams for glasses or contacts, or hearing aids. Some Medicare Advantage plans may provide these benefits, but coverage varies by plan. That is why it's important to understand what your existing coverage actually provides—and where additional protection may make sense. JRF Services can help you explore supplemental Dental, Vision & Hearing options based on your individual needs. SEE YOUR COVERAGE OPTIONS One Solution. Three Important Areas of Care. Protect more of the healthcare expenses that can affect your everyday life and household budget. 🦷 DENTAL Help manage eligible expenses for preventive, basic and major dental services, depending on the plan you select. 👁 VISION Coverage options can help with eligible eye exams, lenses, frames and contact-lens expenses. 👂 HEARING Coverage options can help with eligible hearing exams, hearing aids and related repairs or supplies. EXPLORE DENTAL, VISION & HEARING OPTIONS Coverage for Individuals, Couples & Families Dental, vision and hearing needs don't disappear just because your medical insurance changes. Dental, vision and hearing coverage may be worth exploring if you: Need additional protection beyond your existing health coverage Want help managing routine dental expenses Need coverage for glasses or contacts Want additional protection for hearing-related expenses Are transitioning into Medicare and reviewing coverage gaps Want supplemental coverage for yourself or your family Prefer having additional financial protection for everyday healthcare expenses Your needs are unique. JRF Services can help you compare available options and determine which approach may fit your situation. TALK WITH A LICENSED AGENT Choose the Coverage That Fits Your Needs JRF Services offers two Dental, Vision & Hearing solutions with different levels of flexibility. Not everyone needs the same type of coverage. Depending on your needs, you can explore a traditional Dental, Vision & Hearing plan or the more flexible Dental, Vision & Hearing Select option. Both are designed to help provide additional protection for eligible dental, vision and hearing expenses. Dental, Vision & Hearing Dental Coverage Vision Coverage Hearing Coverage Individual Coverage Family Coverage Guaranteed Issue Renewable Coverage Benefit Options Orthodontia Dental-Only Option Dental + Vision Dental + Hearing Dental + Vision + Hearing ✓ ✓ ✓ ✓ ✓ ✓ ✓ Up to $5,000 — — — — ✓ Dental, Vision & Hearing Select Dental Coverage Vision Coverage Hearing Coverage Individual Coverage Family Coverage Guaranteed Issue Renewable Coverage Benefit Options Orthodontia Dental-Only Option Dental + Vision Dental + Hearing Dental + Vision + Hearing ✓ Optional Optional ✓ ✓ ✓ ✓ Flexible Options ✓ ✓ ✓ ✓ ✓ COMPARE THE PLANS VIEW THE BROCHURES Dental Vision Hearing Dental Vision Hearing Select Dental, Vision & Hearing Straightforward supplemental coverage for three important areas of everyday care. The Dental, Vision & Hearing plan combines dental, vision and hearing benefits into one supplemental insurance solution. Available maximum benefit options include $1,000, $1,500, $3,000 and $5,000, depending on the plan selected. Key features include: Dental, vision and hearing coverage Individual and family coverage options $100 deductible per person Guaranteed issue for eligible applicants Guaranteed renewable coverage Benefits that can increase over time No enrollment periods DENTAL HIGHLIGHTS Preventive Care Exams, cleanings and X-rays with no waiting period. Basic Services Eligible services such as fillings, X-rays and extractions with no waiting period. Major Services Eligible major services may include bridges, crowns, full-mouth services and root canals, subject to applicable plan provisions and waiting periods. VISION HIGHLIGHTS Eligible benefits may include eye exams, refraction and expenses associated with eyeglasses or contact lenses, subject to plan provisions and applicable waiting periods. HEARING HIGHLIGHTS Eligible benefits may include hearing exams, hearing aids and necessary repairs or supplies, subject to plan provisions and applicable waiting periods. VIEW PLAN BROCHURE GET AN INSTANT QUOTE Dental, Vision & Hearing Select More flexibility. Choose the combination of coverage that makes sense for you. Need dental coverage but don't necessarily need all three benefits? Dental, Vision & Hearing Select gives you additional flexibility to choose from: Dental only Dental + Vision Dental + Hearing Dental + Vision + Hearing The plan also includes orthodontia benefits and expanded dental coverage options. Key features include: Guaranteed issue for eligible applicants $0 or $100 deductible per person Guaranteed renewable coverage Benefits that can increase over time No waiting periods for most dental services Orthodontia benefits Flexible dental, vision and hearing combinations DENTAL HIGHLIGHTS Eligible services may include: Exams Cleanings X-rays Fluoride treatment Fillings Extractions Endodontic services Periodontal services Prosthodontic services Implants Orthodontia Orthodontia includes a 12-month waiting period and lifetime maximum, subject to plan provisions. VISION HIGHLIGHTS Eligible benefits may include: Eye exams Refraction Single lenses Bifocal lenses Progressive lenses Eyeglass frames Contact lenses Anti-reflective lenses Polycarbonate lenses Contact-lens fitting HEARING HIGHLIGHTS Eligible benefits may include: Hearing exams Hearing aids Necessary repairs Related supplies SCHEDULE A CALL WITH A LICENSED AGENT VIEW THE SELECT BROCHURE IMPORTANT NOTE Enrollment for Dental, Vision & Hearing Select is completed through the carrier platform with assistance from a licensed agent. DENTAL ONLY → DENTAL + VISION → DENTAL + HEARING → DENTAL + VISION + HEARING See How Dental, Vision & Hearing Coverage Works A quick overview of your coverage options and how supplemental benefits can help with eligible expenses. GET AN INSTANT QUOTE SCHEDULE A CALL Protect Your Smile—and Your Budget Routine dental care is important. So is being prepared for larger dental expenses. Dental care can range from routine preventive visits to unexpected procedures. Depending on the plan you select, coverage may help with eligible preventive, basic and major dental services. That can include services such as cleanings, exams, X-rays, fillings, extractions, crowns, bridges, root canals, periodontal services, prosthodontic services and implants. Coverage, benefit amounts and waiting periods vary by plan. EXPLORE DENTAL COVERAGE Don't Overlook Your Vision & Hearing Needs Your ability to see clearly and hear confidently affects how you work, communicate and enjoy everyday life. VISION Depending on the plan selected, eligible vision benefits may include eye exams, refraction, lenses, frames and contact lenses. HEARING Depending on the plan selected, eligible hearing benefits may include hearing exams, hearing aids and necessary repairs or supplies. Because benefits and waiting periods vary, it's important to review the specific plan details before enrolling. COMPARE YOUR OPTIONS More Ways to Make Your Dental Benefits Go Further Use your coverage with provider flexibility and access to a nationwide dental network. Depending on the plan and your choice of provider, you may have access to the Careington Maximum Care PPO Dental Network. The network provides access to a large nationwide network of participating dentists and may provide discounted fees on eligible services. Network participation is optional. Always verify participating providers and applicable plan terms before receiving care. FIND OUT MORE ABOUT YOUR DENTAL OPTIONS Coverage Is Important. So Is Having Someone Who Can Help. JRF Services helps you explore insurance options without making the process unnecessarily complicated. Insurance can be confusing. JRF Services gives individuals and families a simpler way to explore supplemental insurance options, understand available benefits and connect with a licensed insurance professional when they want additional guidance. Whether you prefer to research online, review a brochure or speak directly with an agent, you can choose the approach that works best for you. INDEPENDENT BROKER Explore insurance options from an independent perspective. PERSONAL GUIDANCE Speak with a licensed insurance professional when you want help. ONLINE OPTIONS Explore plan information and begin the quote process online. CLEAR EXPLANATIONS Get straightforward information without unnecessary insurance jargon. WORK WITH JRF SERVICES Dental, Vision & Hearing Insurance FAQs Get answers to some of the most common questions before exploring your coverage options. Does Medicare cover dental, vision and hearing care? Original Medicare generally does not cover most routine dental care, routine eye exams for glasses or contacts, or hearing aids. Some Medicare Advantage plans may offer additional dental, vision and hearing benefits. Why would I need supplemental Dental, Vision & Hearing coverage? Supplemental coverage may help address eligible expenses that aren't covered—or aren't fully covered—by your existing health insurance or Medicare coverage. Can I choose my own dentist? Depending on the plan, you may have the flexibility to use providers inside or outside the network. The Careington Maximum Care PPO network may also be available for participating dental providers. Are there waiting periods? Waiting periods vary by plan and service. Some preventive and basic dental services may have no waiting period, while certain major, vision or hearing benefits may have waiting periods. Always review the specific plan documents for complete details. Is coverage available for families? Yes. Individual and family options are available, subject to the plan's eligibility requirements. Are there different deductible options? Yes. Depending on the plan, deductible options may include $0 or $100 per person. Does the plan include orthodontia? Dental, Vision & Hearing Select includes orthodontia benefits subject to the applicable waiting period, lifetime maximum and plan provisions. How do I get a quote? You can begin online through the Instant Quote option or schedule a call with JRF Services to discuss your options with a licensed agent. Ready to Explore Your Options? Find out which Dental, Vision & Hearing coverage may fit your needs and budget. You don't have to figure out your supplemental coverage alone. Explore your plan options online or schedule a conversation with JRF Services. We'll help you understand the available choices so you can make an informed decision about your dental, vision and hearing coverage. GET AN INSTANT QUOTE SCHEDULE A CALL VIEW PLAN BROCHURES Dental Vision Hearing Dental Vision Hearing Select Looking for More Ways to Protect Your Budget? Dental, vision and hearing coverage is only one part of a broader supplemental insurance strategy. Explore additional supplemental insurance solutions designed to help address specific financial risks and healthcare expenses. Personal Accident Insurance Additional financial protection following a covered accident. Explore Personal Accident Cancer, Heart Attack & Stroke Lump-sum benefits designed to help with eligible expenses following a covered critical health event. Explore Available Cancer Plans Critical Illness Insurance Additional financial protection following a covered critical illness. Explore Critical Illness Hospital Indemnity Insurance Help with eligible out-of-pocket expenses associated with a covered hospital stay. Explore Hospital Indemnity Out-of-Pocket Protection Additional financial protection for eligible healthcare-related expenses. Explore Out-of-Pocket Home Health Care Coverage designed around qualifying home healthcare needs. Explore Home Health Care Learn more about Medicare coverage EXPLORE SUPPLEMENTAL INSURANCE Have Questions About Your Coverage? We're here to help you explore your options. EXPLORE SUPPLEMENTAL INSURANCE SCHEDULE A CALL CONTACT JRF SERVICES

Shop Life, Health, ACA, Medicare, Supplemental and other insurance plans online. Compare available coverage or schedule a call with a licensed insurance agent. Insurance Made Simple. Coverage Made Personal. Shop Life & Health Insurance Online — Or Talk With a Licensed Insurance Agent. Life | Health | Medicare | Supplemental | ID Protection Protect your health, your family, and your financial future with insurance you can shop for online. Explore available coverage, compare your options, and take the next step from the convenience of home. Prefer personal assistance? Schedule a call with a licensed insurance agent who can help you understand your options. GET AN INSTANT INSURANCE QUOTE SCHEDULE A PHONE CALL 60+ LIFE INSURANCE CARRIERS QUOTE & APPLY ONLINE GET INSTANT QUOTES HEALTH INSURANCE & MEDICARE IN ALL 50 STATES. SPEAK TO LICENSED HEALTH & MEDICARE AGENTS Find the Coverage That Fits Your Life One place to explore the protection that matters most. Insurance doesn't have to be complicated. JRF Services gives you a convenient way to explore coverage online, review available options, and move forward when you're ready. Whether you're protecting your family with Life Insurance, looking for Health Insurance or ACA coverage, exploring Medicare, adding supplemental protection, or protecting your identity, you can start online and get help from a licensed insurance agent whenever you need it. EXPLORE YOUR OPTIONS LIFE INSURANCE GET YOUR ONLINE QUOTE IN SECONDS | 60+ CARRIER RELATIONSHIPS | COMPARE LIFE INSURANCE OPTIONS FROM MULTIPLE CARRIERS | MORE CHOICES CAN MEAN MORE OPPORTUNITIES TO FIND COVERAGE THAT FITS YOUR NEEDS Protect the People Who Matter Most Life Insurance for the people and future you care about. Life can change quickly. Life Insurance can help provide financial protection for the people who depend on you when you're no longer there to provide it. Whether you're looking to help protect your family's financial future, replace income, address financial obligations, or leave a financial legacy, you can explore Life Insurance options online and find coverage that fits your needs. Start online today—or schedule a call with a licensed insurance agent if you'd like help along the way. LEARN MORE > GET A LIFE INSURANCE QUOTE TALK TO AN AGENT HEALTH INSURANCE Health Insurance for Individuals & Families Explore health coverage based on where you live and what you need. Finding Health Insurance shouldn't require hours of searching and comparing information on your own. Explore available Health Insurance and ACA plan options online based on your location, household, and coverage needs. Whether you're looking for coverage for yourself, your family, or a new coverage option after a qualifying life event, you can begin online. Need help understanding your options? Schedule a call with a licensed insurance agent. COMPARE HEALTH PLANS SCHEDULE A CALL Individual Coverage • Family Coverage • ACA Options SPEAK WITH LIVE AGENTS | MAJOR CARRIERS IN ALL 50 STATES | LEARN MORE > Start With What Matters Most Everyone's insurance needs are different. Find the coverage that fits yours. MY FAMILY Life Insurance Help protect the people who depend on you and the financial future you're building together. GET A LIFE QUOTE → MY HEALTH Health Insurance Explore individual and family health coverage options online. EXPLORE HEALTH PLANS → MY MEDICARE Medicare Explore Medicare options and coverage choices based on your needs. EXPLORE MEDICARE → MY FINANCES Supplemental Insurance Add another layer of protection against unexpected expenses. EXPLORE OPTIONS → MY IDENTITY ID Theft Protection Add another layer of protection for your identity and personal information. LEARN MORE → MEDICARE PLANS Medicare Made Easier to Understand Explore your options. Get answers when you need them. Medicare comes with choices—and understanding those choices can sometimes feel complicated. JRF Services gives you a convenient way to explore Medicare plan options online and review available coverage. If you have questions or would rather have someone walk you through the process, you can schedule a call with a licensed insurance agent. SPEAK WITH LIVE AGENTS | MAJOR CARRIERS IN ALL 50 STATES | LEARN MORE > EXPLORE MEDICARE PLANS SCHEDULE A CALL Turning 65? Already on Medicare? Reviewing Your Coverage? Start here . > SUPPLEMENTAL INSURANCE Add an Extra Layer of Financial Protection Help protect your finances when unexpected health events happen. Even good health coverage can leave you responsible for deductibles, copayments, coinsurance, and other expenses. Supplemental Insurance can provide an additional layer of protection for situations that may create unexpected financial pressure. Explore available options online and see whether additional coverage makes sense for you. EXPLORE SUPPLEMENTAL COVERAGE GET AN INSTANT QUOTE Buy Insurance Online. Get Help When You Want It. You choose how you want to shop. Some people want to research and purchase insurance entirely online. Others prefer to talk through their options before making a decision. With JRF Services, you can do either . 01 — EXPLORE Start online and explore available insurance options. 02 — COMPARE Review available coverage and find options that fit your needs. 03 — APPLY Complete the process online—or schedule a call if you'd like assistance. START SHOPPING ONLINE Online convenience. Human assistance when you want it. GET YOUR INSTANT QUOTES LICENSED AGENT Want Someone to Walk You Through It? Online convenience—with real human help when you need it. Insurance can be purchased online, but you don't have to navigate the process alone. If you're unsure what type of coverage you need, have questions about available plans, or simply prefer to speak with someone before applying, you can schedule a call with a licensed insurance agent. Get your questions answered and take your next step with greater clarity. SCHEDULE YOUR CALL WHY JRF SERVICES Insurance Shopping Without the Guesswork A simpler way to explore your insurance options. Insurance doesn't have to feel overwhelming. JRF Services brings multiple types of insurance solutions together in one convenient online experience, giving you the flexibility to research, compare, apply, or speak with a licensed professional. SHOP ONLINE Explore available insurance options from the convenience of your home. AGENT SUPPORT Prefer human assistance? Schedule a call with a licensed insurance agent. COMPARE OPTIONS Review available coverage and costs before deciding what works for you. 1 ONLINE DESTINATION Explore Life, Health, Medicare, Supplemental Insurance, and ID Theft Protection in one place. NATIONWIDE ACCESS Explore insurance options available in locations across the country, subject to plan availability and eligibility. YOUR CHOICE Shop online yourself or get personalized assistance. You decide how you want to move forward. ID THEFT PROTECTION Protect More Than Your Health & Finances Add another layer of protection for your identity and personal information. Your personal information is valuable—and protecting it is increasingly important. ID Theft Protection can provide resources designed to help you monitor and respond to identity-related threats while giving you additional tools for protecting your personal information. Explore your options online and add another layer of protection to your overall financial security strategy. EXPLORE ID THEFT PROTECTION GET COVERAGE NOW Ready to Protect What Matters? Your next step can start right now. Whether you're looking for Life Insurance, Health Insurance, Medicare, Supplemental Insurance, or additional protection, you can begin online. Get started with an online quote—or schedule a call with a licensed insurance agent. GE AN INSTANT QUOTE SCHEDULE A CALL NO NEED TO WAIT Your Coverage. Your Choice. Your Next Step. Explore online or talk with a licensed insurance professional. Don't put off protecting your health, your family, or your financial future. Start online today and explore your available options. CHOOSE YOUR INSTANT ONLINE QUOTE LIFE INSURANCE LIFE INSURANCE HEALTH INSURANCE HEALTH INSURANCE MEDICARE MEDICARE SUPPLEMENTAL SUPPLEMENTAL ID PROTECTION ID PROTECTION WE'VE GOT YOU COVERED Have Questions? We're here to help. Shop online or schedule a call with a licensed insurance agent. GE AN INSTANT QUOTE SCHEDULE A CALL JRF SERVICES Life Insurance | Health Insurance | Medicare | Supplemental Insurance | ID Theft Protection Coverage availability, benefits, rates, eligibility, and plan options vary by state and individual circumstances. The JRF SERVICES INSURANCE BLOG A Health, ACA, Medicare, Life & Supplemental Insurance Guide Building a truly resilient insurance strategy requires looking at the complete picture of your family's health and financial milestones. From finding affordable, subsidy-eligible healthcare through the ACA Marketplace to seamlessly transitioning into retirement with Medicare Parts A, B, and D, the choices you make today will define your security tomorrow. However, traditional health insurance is only half the battle; protecting your family means bridging the gaps. By pairing your primary health coverage with Term or Whole Life Insurance to safeguard your estate, alongside Supplemental Cash-Benefit plans to directly offset steep out-of-pocket deductibles, you can construct a comprehensive shield against the unexpected. As an independent brokerage, JRF Services offers objective, multi-carrier guidance to help you customize, balance, and maximize these essential pillars of protection. GE AN INSTANT QUOTE SCHEDULE A CALL JRF SERVICES BLOG

Contact JRF Services for help with Health Insurance, ACA Marketplace plans, Medicare, Life Insurance, Supplemental Insurance and ID Theft Protection. Call, send a message or schedule a convenient appointment with JRF Services. NEED HELP WITH YOUR INSURANCE? Get Answers From JRF Services — Online, By Phone, or By Appointment. Whether you're shopping for coverage, comparing your options, or simply have a question, JRF Services is here to help. We can help you explore available Health Insurance and ACA Marketplace plans, Medicare options, Life Insurance, Supplemental Insurance and ID Theft Protection. Choose the way that works best for you. Explore available options online, call JRF Services, send us a message, or schedule a convenient appointment with our team. CALL JRF SERVICES (800) 925-0701 SCHEDULE A CALL SEND US A MESSAGE CHOOSE HOW YOU'D LIKE TO CONNECT Get Started in the Way That Works Best for You. You don't have to navigate insurance alone. JRF Services gives you several convenient ways to get started. CALL JRF SERVICES Have a question or prefer to speak with someone? Call JRF Services at: (800) 925-0701 CALL NOW SCHEDULE AN APPOINTMENT Choose a convenient time to speak with JRF Services. Appointments can also be scheduled outside normal call-center hours. SCHEDULE A CALL SEND A MESSAGE Have a question before you're ready to talk? Complete the contact form and tell us what you're looking for. CONTACT JRF SERVICES WHAT CAN WE HELP YOU WITH? Start With the Coverage You're Looking For. JRF Services provides independent insurance guidance across several areas of coverage. Select the option that best matches what you're looking for, or contact us if you're not sure where to begin. HEALTH INSURANCE & ACA Explore individual and family Health Insurance and ACA Marketplace plan options available in your state. COMPARE HEALTH PLANS > MEDICARE Get help understanding Medicare options, comparing available plans and navigating enrollment. EXPLORE MEDICARE > LIFE INSURANCE Explore Life Insurance options designed to help protect the people and financial obligations that matter most. EXPLORE LIFE INSURANCE > SUPPLEMENTAL INSURANCE Explore additional coverage designed to help with certain expenses associated with accidents, illnesses, hospital stays and other covered events. EXPLORE SUPPLEMENTAL INSURANCE > ID THEFT PROTECTION Explore protection designed to help safeguard your identity and personal information. EXPLORE ID THEFT PROTECTION > LET'S GET STARTED Tell Us What You Need Help With. Complete the short form below and tell us what you're looking for. Providing a little information up front helps us better understand your request and direct you toward the appropriate JRF Services resource. First name* Last name* Email* Phone WHAT CAN WE HELP YOU WITH?* Message* SEND MY MESSAGE By submitting this form, you are requesting contact from JRF Services regarding your inquiry. Insurance availability, benefits, premiums, eligibility and underwriting requirements vary by plan, insurance company and state. PREFER TO TALK? We're Here to Help You Take the Next Step. Sometimes it's easier to talk through your questions. If you're unsure what type of coverage you need, want to understand your options, or simply want to speak with someone before applying, contact JRF Services. CALL JRF SERVICES (800) 925-0701 SCHEDULE AN APPOINTMENT Choose a convenient appointment time, including appointments outside normal call-center hours. WHEN CAN YOU REACH US? Connect During Our Regular Call-Center Hours or Schedule an Appointment. 1-800-925-0701 CALL CENTER HOURS Monday–Friday 9:30 AM–6:00 PM Saturday–Sunday Call to Schedule or Request a Callback Appointments: Appointments can be scheduled outside regular call-center hours. SCHEDULE AN APPOINTMENT MORE THAN A CONTACT FORM Get Guidance Designed Around Your Coverage Needs. Insurance can be complicated. JRF Services helps make the process easier to understand by giving you a place to ask questions, compare available options and determine what makes sense for your situation. As an independent insurance brokerage, JRF Services is not tied to just one insurance company. The goal is to help you understand your available choices so you can make a more informed coverage decision. Whether you prefer to shop online or speak with an insurance professional, you can choose the experience that works best for you. INDEPENDENT GUIDANCE Explore available options without being limited to a single insurance company's product lineup. CONVENIENT OPTIONS Start online, call, send a message or schedule an appointment. PERSONAL SUPPORT Have questions? Speak with JRF Services for help understanding your available options. LEARN MORE ABOUT JRF SERVICES NOT SURE WHAT YOU NEED? THAT'S OKAY. START HERE. You don't have to know exactly which insurance product you need before contacting JRF Services. Tell us what you're trying to accomplish — protecting your family, finding Health Insurance, preparing for Medicare, protecting your income, filling a coverage gap or protecting your identity — and we'll help point you toward the appropriate options. CONTACT JRF SERVICES SCHEDULE A CALL READY TO GET STARTED? Your Next Step Can Be Simple. Explore your options online, call JRF Services, send us a message or schedule an appointment. However you choose to begin, JRF Services is here to help you take the next step toward the coverage that's right for you. CALL JRF SERVICES | (800) 925-0701 SCHEDULE A CALL EXPLORE INSURANCE OPTIONS

Explore Short-Term Care Insurance designed to help with qualifying care expenses when illness, injury, or cognitive impairment affects your ability to perform daily activities. Review coverage options online or schedule a call with a licensed insurance agent. GET SHORT-TERM CARE INSURANCE ONLINE An unexpected illness, injury, or cognitive condition can create care needs that may affect both your daily life and your finances. Short-Term Care Insurance can provide benefits for qualifying care situations, including certain stays in nursing facilities, assisted living facilities, hospice care, and other covered services. Explore your options online or schedule a call with a licensed insurance agent. Help protect your savings when you need care GET A SHORT-TERM CARE QUOTE VIEW BROCHURE SCHEDULE A CALLBACK CARE CAN BECOME EXPENSIVE WHEN YOU LEAST EXPECT IT An unexpected need for assistance can create more than medical concerns When an illness, injury, or cognitive condition makes everyday activities more difficult, you may need additional help with daily living or a period of supervised care. The financial impact can be significant. National 2024 median nursing-home costs were approximately $111,325 per year for a semi-private room and $127,750 per year for a private room. Care costs also vary considerably depending on where you live and the type of care you receive. Short-Term Care Insurance can be one option to consider when planning for this type of financial risk. EXPLORE SHORT-TERM CARE OPTIONS WHAT DOES SHORT-TERM CARE INSURANCE DO? Coverage designed for qualifying care needs Illness / Injury Need for Assistance Qualifying Care Insurance Benefit Short-Term Care Insurance is designed to provide benefits when a covered illness, injury, or condition results in a qualifying need for care. Depending on the policy, benefits may help with covered care received in settings such as nursing facilities, assisted living facilities, hospice facilities, or other qualifying care environments. Some plans may also offer optional benefits designed to provide additional flexibility. Coverage, eligibility, benefit amounts, elimination periods, limitations, exclusions, and availability vary by policy and state. SEE AVAILABLE OPTIONS SEE HOW SHORT-TERM CARE INSURANCE WORKS A quick overview before you explore your coverage options GET A SHORT-TERM CARE QUOTE Short-Term Care Insurance may be worth exploring if you are concerned about how you or your family would handle the financial impact of a temporary or unexpected care need. You may want to consider coverage if you: Want another layer of financial protection Are concerned about the cost of nursing or assisted living care Want to protect retirement savings from unexpected expenses Prefer planning ahead rather than relying entirely on family members Want to explore an alternative to traditional long-term-care coverage Want coverage designed around qualifying short-term care needs IS SHORT-TERM CARE COVERAGE RIGHT FOR YOU? It may be worth considering if you're planning ahead for unexpected care needs Retirement Savings Care Costs Family Protection Planning Ahead Flexible Coverage Peace of Mind EXPLORE YOUR COVERAGE OPTIONS PROTECTION WHEN YOU NEED CARE Coverage can help address qualifying care-related expenses Depending on the policy you select, Short-Term Care Insurance may provide benefits when you meet the policy's requirements for covered care. Benefits may include coverage associated with: Home Health Care Optional coverage may be available for qualifying home health care. Assisted Living Coverage may provide benefits for qualifying assisted-living care. Bed Reservation Certain plans may provide a benefit for reserving a room while temporarily hospitalized. Prescription Benefits Certain plans may include prescription-drug benefits subject to policy limits. Hospice Care Some plans include benefits for qualifying hospice care. Nursing Facilities Benefits may help with qualifying care received in a nursing facility. VIEW COVERAGE DETAILS BUILD COVERAGE AROUND YOUR NEEDS Explore benefit periods, elimination periods and optional features Depending on the plan, you may be able to choose from different elimination periods and benefit periods and add optional benefits designed to provide additional protection. Potential options may include: Multiple elimination-period choices Multiple benefit-period choices Home Health Care Rider Hospital Indemnity Benefit Rider Simple Inflation Benefit Available options vary by policy and state. GET AN INSTANT QUOTE GET BENEFITS SOONER WHEN YOU QUALIFY An option designed to provide an initial benefit when qualifying care begins Certain Short-Term Care plans may include a Fast-50 Benefit that can waive the standard elimination period and provide an initial cash benefit when you qualify for covered care. The benefit is based on the policy's accumulated daily benefit and is subject to the terms and conditions of the policy. Coverage Begins Qualifying Care Initial Benefit LEARN MORE ABOUT COVERAGE ADDITIONAL PRESCRIPTION SUPPORT Some plans include a built-in prescription benefit Certain Short-Term Care plans may include a prescription-drug benefit for qualifying generic and brand-name prescriptions, subject to the policy's benefit amounts and annual limits. This can provide another layer of support during a qualifying period of care. Benefit amounts and limits are determined by the policy. VIEW PLAN DETAILS HELP KEEP YOUR CARE ARRANGEMENT IN PLACE A benefit designed for certain temporary hospital stays Some Short-Term Care plans include a Bed Reservation benefit. When a covered individual is admitted to a hospital, the benefit may help reserve their room at their current covered facility for a specified number of days, subject to the policy's conditions and lifetime limits. This can provide additional flexibility when a temporary hospitalization interrupts a care arrangement. EXPLORE PLAN BENEFITS PLAN FOR RISING CARE COSTS Optional inflation protection may help benefits keep pace over time Care costs can increase over time. Depending on the plan, an optional Simple Inflation Benefit may increase your daily benefit beginning after a specified policy anniversary and continue increasing the benefit according to the policy provisions. This type of option can be worth considering when planning for future care costs. Today → 5 Years → 10 Years → Future COMPARE YOUR OPTIONS THE COST OF CARE CAN ADD UP FAST Planning ahead may help protect the assets you've worked to build $111,325 2024 national median annual cost of a nursing-home semi-private room $127,750 2024 national median annual cost of a nursing-home private room $70,800 2024 national median annual cost of assisted-living care The cost of care varies significantly by location and type of service. As care costs continue to change, planning ahead can help you understand the potential financial impact of needing assistance. PLAN AHEAD — GET A QUOTE PROTECT MORE THAN YOUR HEALTH Consider how a future care need could affect your financial goals It's also about what could happen to your savings, retirement income, family finances, or other assets if you suddenly need assistance. Short-Term Care Insurance can be one part of a broader financial protection strategy designed to help address qualifying care expenses. EXPLORE SHORT-TERM CARE COVERAGE YOUR OPTIONS. YOUR CHOICE. YOUR DECISION. Get information online or talk with a licensed insurance agent At JRF Services, you can explore insurance options online or choose to speak with a licensed insurance agent before applying. We can help you understand the type of coverage you're considering, review available options, and answer questions about benefits, eligibility, and policy details. Prefer to do it yourself? Start online. Prefer to talk first? Schedule a call or request a callback. GET A QUOTE ONLINE SCHEDULE A CALLBACK WANT TO LEARN MORE BEFORE YOU APPLY? Review the available product information first Insurance policies contain important information about benefits, limitations, exclusions, eligibility requirements, elimination periods, benefit periods, and other conditions. Review the available brochure and policy information before applying so you understand how the coverage works. GET AN INSTANT QUOTE VIEW BROCHURE PLAN AHEAD FOR THE UNEXPECTED Explore Short-Term Care Insurance options today You can't always predict when an illness, injury, or other condition may create a need for care. But you can plan for the possibility. Explore Short-Term Care Insurance online or schedule a call with a licensed insurance agent to discuss your options. Start exploring your coverage today. GET A SHORT-TERM CARE QUOTE SCHEDULE A CALLBACK IMPORTANT INFORMATION Short-Term Care Insurance is limited-benefit insurance designed to provide benefits for qualifying covered care as described in the policy. It is not comprehensive health insurance and may not cover all costs associated with long-term care or other medical services. Benefits, premiums, eligibility requirements, waiting or elimination periods, benefit periods, exclusions, limitations, renewal provisions, riders, and availability vary by policy and state. Coverage is subject to the terms, conditions, and limitations of the policy. Review the policy documents carefully before purchasing.

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.

Get Personal Accident Insurance online through JRF Services. Explore supplemental accident coverage that may help with eligible accident-related expenses. Apply online or speak with a licensed insurance agent. GET PERSONAL ACCIDENT INSURANCE ONLINE Additional financial protection when an unexpected accident happens. An accident can happen in an instant. Personal Accident Insurance can provide supplemental benefits for eligible accidental injuries and covered expenses, helping you prepare for costs that may go beyond what your primary health insurance covers. With JRF Services, you can explore available coverage online or speak with a licensed insurance agent before you decide GET A QUOTE ONLINE SCHEDULE A CALL Prefer personal assistance? Speak with a licensed insurance agent about available Personal Accident Insurance options. WHAT IS PERSONAL ACCIDENT INSURANCE? Personal Accident Insurance is supplemental coverage designed to provide benefits for eligible accidental injuries and covered accident-related expenses. Your primary health insurance is designed to cover healthcare services according to the terms of your health plan. Personal Accident Insurance can provide an additional layer of financial protection when a covered accident occurs. Depending on the plan, benefits may help with certain accident-related expenses such as emergency treatment, hospital care, ambulance services, medical expenses and other covered services. Coverage, benefits, limitations and exclusions vary by plan. EXPLORE ACCIDENT COVERAGE WANT TO LEARN MORE BEFORE YOU APPLY? Watch our Personal Accident Insurance presentation to learn how supplemental accident coverage works and what to consider when choosing coverage. READY TO EXPLORE YOUR OPTIONS? GET A QUOTE ONLINE SCHEDULE A CALL WHEN AN ACCIDENT HAPPENS, THE COSTS CAN ADD UP An unexpected accident doesn't always end when you leave the emergency room. Medical treatment, transportation, follow-up care and other expenses can create additional financial pressure. Personal Accident Insurance can provide supplemental benefits for eligible covered accidents, helping you prepare for the unexpected. ACCIDENTAL INJURIES Additional financial protection for eligible covered accidental injuries. EMERGENCY CARE Depending on the plan, benefits may be available for certain emergency and accident-related services. HOSPITAL CARE Some plans provide benefits associated with covered hospital treatment or confinement. ADDITIONAL FINANCIAL SUPPORT Supplemental benefits may help you manage expenses that arise following a covered accident. SEE AVAILABLE OPTIONS YOUR HEALTH INSURANCE DOESN'T HAVE TO BE YOUR ONLY LAYER OF PROTECTION Personal Accident Insurance is designed to supplement—not replace—your primary health insurance. Your health insurance helps cover eligible healthcare services according to your plan. Personal Accident Insurance can provide additional benefits when you experience a covered accident. YOUR HEALTH INSURANCE Provides primary medical coverage Covers eligible healthcare services Subject to the plan's deductible, copays and coinsurance Designed for ongoing healthcare needs PERSONAL ACCIDENT INSURANCE Provides supplemental accident benefits Focuses on eligible covered accidents Benefits depend on the specific accident policy Designed to provide additional protection after covered accidents The two types of coverage can work together. Personal Accident Insurance may provide another layer of financial protection when an unexpected accident occurs. EXPLORE PERSONAL ACCIDENT COVERAGE WHAT CAN PERSONAL ACCIDENT INSURANCE HELP COVER? Benefits vary by plan, but available Personal Accident Insurance may provide benefits for eligible services and injuries associated with covered accidents. Examples may include: Emergency treatment Ambulance services Hospital admission Hospital confinement Emergency room treatment Medical expenses Diagnostic services X-rays Surgery Certain accidental injuries Accidental death Accidental dismemberment Other covered accident-related expenses Benefits are subject to the terms, conditions, limitations and exclusions of the specific policy. VIEW AVAILABLE PLANS ADDITIONAL PROTECTION FOR LIFE'S UNEXPECTED MOMENTS Personal Accident Insurance may be worth considering if you want another layer of financial protection against eligible accidental injuries. INDIVIDUALS Additional protection for yourself when an unexpected accident occurs. FAMILIES Help provide an additional financial safety net for covered accidents affecting you or eligible family members. ACTIVE ADULTS If you regularly participate in physical activities, sports or other activities where accidents can happen, supplemental accident coverage may be worth considering. HIGH-DEDUCTIBLE HEALTH PLAN MEMBERS If you have significant out-of-pocket exposure under your health plan, supplemental accident benefits may provide another layer of financial protection. SELF-EMPLOYED INDIVIDUALS An unexpected injury can create both medical expenses and financial disruption. Supplemental protection may help you prepare for covered accident-related costs. HOW DOES PERSONAL ACCIDENT INSURANCE WORK? Getting started can be simple. STEP 1 EXPLORE YOUR OPTIONS Review available Personal Accident Insurance plans and determine what type of supplemental protection you're looking for. STEP 2 REVIEW THE COVERAGE Look at the benefits, premiums, eligibility requirements, limitations and exclusions associated with the available plan. STEP 3 APPLY ONLINE If you find an option that fits your needs, you can begin the application process online. STEP 4 GET HELP IF YOU NEED IT Prefer to speak with someone first? Schedule a call with a licensed insurance agent who can help you understand your available options. GET STARTED ONLINE SCHEDULE A CALL EXPLORE PERSONAL ACCIDENT INSURANCE OPTIONS Different Personal Accident Insurance plans can provide different types and levels of supplemental protection. Review the available options below to learn more about the coverage, benefits and features of each plan. 24-Hour Accident Expense Plan Coverage designed to provide supplemental benefits for eligible accident-related expenses. VIEW BROCHURE (24hr) HIGHLIGHTED FEATURES Issue Ages 18-74 Pays on the Job or Off the Job Accidents Guaranteed Renewable to Age 80 Choice of One or Two Units BENEFITS MAY INCLUDE Accidental Death Accidental Dismemberment Air & Ground Ambulance Daily Hospital Confinement Medical Expense GET AN INSTANT QUOTE Personal Accident Indemnity (PAID) Personal Accident Indemnity coverage can provide supplemental benefits following eligible accidents and may help with certain out-of-pocket expenses. VIEW BROCHURE (P.A.I.D.) HIGHLIGHTED FEATURES Issue Ages 18-84 2 options: 24-hr, or Off-the-job coverage Wellness Rider Guarantee Renewable for Life Choice of One or Two Units BENEFITS MAY INCLUDE Accidental Death Emergency Dental Hospital Admission & Confinement ER / ICU Treatment Concussion Chiropractic Air & Ground Ambulance Lodging & Transportation Surgery X-Rays Other covered benefits YOUR INSTANT QUOTE NOT SURE WHICH PERSONAL ACCIDENT PLAN IS RIGHT FOR YOU? You don't have to figure it out alone. A licensed insurance agent can help you review available Personal Accident Insurance options, explain how the coverage works and help you understand the differences between available plans. SCHEDULE A CALL WITH A LICENSED AGENT GET A QUOTE ONLINE YOUR COVERAGE. YOUR CHOICE. YOUR WAY. At JRF Services, we believe getting insurance shouldn't be complicated. You can explore Personal Accident Insurance online from the convenience of home, or you can speak with a licensed insurance agent if you'd rather have someone walk you through your options. SHOP ONLINE Start the process online when it's convenient for you. GET PERSONAL HELP Speak with a licensed insurance agent when you have questions. UNDERSTAND YOUR OPTIONS Review available coverage, benefits and plan details before making a decision. CHOOSE HOW YOU BUY Purchase online or get assistance by phone. WANT MORE INFORMATION BEFORE YOU APPLY? Review available brochures and plan information before choosing your coverage. VIEW / DOWNLOAD BROCHURES 24 HR ACCIDENT EXPENSE PLAN PERSONAL ACCIDENT INDEMNITY Take your time. Review the available plan information, then apply online or schedule a call with a licensed insurance agent if you have questions. PERSONAL ACCIDENT INSURANCE FAQ What is Personal Accident Insurance? Personal Accident Insurance is supplemental coverage that may provide benefits for eligible accidental injuries and covered accident-related expenses. Is Personal Accident Insurance the same as health insurance? No. Personal Accident Insurance is supplemental coverage designed to provide additional benefits for covered accidents. It does not replace comprehensive health insurance. Can Personal Accident Insurance work with my health insurance? Yes. It is designed as supplemental coverage that can work alongside your existing health insurance. What does Personal Accident Insurance cover? Coverage varies by plan. Depending on the policy, benefits may be available for certain accident-related medical expenses, emergency treatment, hospital care, ambulance services and other covered events. Does it cover every accident? No. Benefits are subject to the specific policy's terms, conditions, limitations and exclusions. Can I purchase Personal Accident Insurance online? Yes. Available plans can be explored and purchased online when online enrollment is available. Can I speak with a licensed insurance agent? Yes. You can schedule a call with a licensed insurance agent to discuss available options before applying. How do I get started? You can start by getting a quote online or scheduling a call with a licensed insurance agent. READY TO ADD ANOTHER LAYER OF PROTECTION? An unexpected accident can happen at any time. Explore Personal Accident Insurance options online or speak with a licensed insurance agent about available coverage. GET PERSONAL ACCIDENT INSURANCE ONLINE SCHEDULE A CALL Choose the way that works best for you—online or with personal assistance from a licensed insurance agent. Coverage, benefits, eligibility, premiums, limitations, exclusions, renewability and availability vary by plan and state. Personal Accident Insurance is supplemental coverage and is not a substitute for comprehensive health insurance. Please review the applicable policy, certificate, brochure and other plan documents for complete details before purchasing.

Compare Medicare plan options with JRF Services. Explore available Medicare coverage online or speak with a licensed Medicare specialist for help reviewing plans, costs, benefits and coverage options. COMPARE MEDICARE PLANS Explore Medicare Coverage Options With Help From a Licensed Medicare Specialist Looking for Medicare coverage and want help comparing your options? JRF Services can help you explore available Medicare plan options in your area. Compare coverage, costs, benefits, networks and other important plan features online—or speak with a licensed Medicare specialist for personalized assistance. COMPARE MEDICARE PLANS SPEAK WITH A MEDICARE SPECIALIST Available in all 50 states | Licensed Medicare assistance Monday–Friday, 9:30 AM–6:00 PM EST Call 1-833-942-2892 Plan availability varies by location and eligibility. Calling Information When you call, an automated attendant will provide a short verification step before connecting you with a live Medicare specialist. This helps reduce spam and automated calls so your request can be directed to a live agent. COMPARE MEDICARE PLANS SPEAK WITH A MEDICARE SPECIALIST SCHEDULE A CALL > MEDICARE OPTIONS WITHOUT THE GUESSWORK Compare Available Plans Based on What Matters to You Medicare isn't one-size-fits-all. The plan that works well for one person may not be the right fit for another. JRF Services helps you explore available Medicare plan options and understand important differences in coverage, costs, benefits and plan features. You can review options based on: Monthly premiums and other costs Deductibles, copays and coinsurance Doctors and healthcare providers Prescription drug coverage Pharmacies Plan networks Additional benefits Your individual healthcare needs and priorities COMPARE MEDICARE PLANS Plan availability and benefits vary by location and eligibility. MEDICARE HELP FOR YOUR SITUATION Whether You're New to Medicare or Reviewing Your Current Coverage Medicare can look different depending on where you are in your healthcare journey. JRF Services can help you explore your available options based on your situation. TURNING 65 Getting ready for Medicare? Explore your coverage options and learn what may be available when you become eligible. RETIRING Leaving employer-sponsored coverage? Review how Medicare may fit into your healthcare coverage after retirement. ALREADY ON MEDICARE Your healthcare needs can change. Reviewing available Medicare options can help you determine whether your current coverage still meets your needs. REVIEWING YOUR OPTIONS Whether you're considering a different type of Medicare coverage or reviewing your options during an applicable enrollment period, you can compare available plans and get help understanding your choices. GET HELP WITH MEDICARE WHY WORK WITH JRF SERVICES? Medicare Plan Comparison With Personalized Assistance Trying to compare Medicare plans on your own can be confusing. JRF Services helps simplify the process by connecting you with licensed Medicare assistance and available plan options. A SIMPLE WAY TO EXPLORE YOUR OPTIONS COMPARE Explore available Medicare plans serving your area. REVIEW Look at important differences in costs, coverage, benefits and plan features. ASK QUESTIONS Get help from a licensed Medicare specialist when you need it. CHOOSE Move forward with the Medicare option that best fits your needs, subject to eligibility and applicable enrollment rules. ONE PLACE TO START YOUR MEDICARE SEARCH Instead of trying to sort through Medicare information on your own, start with JRF Services and get help understanding the options available to you. COMPARE MEDICARE PLANS COMPARE MORE THAN JUST THE PREMIUM The Lowest Premium Isn't Always the Whole Story When comparing Medicare plan options, it's important to look beyond the monthly premium. Depending on the plan and your situation, you may also want to consider: COSTS Premiums, deductibles, copays, coinsurance and other out-of-pocket expenses. DOCTORS Whether your preferred doctors and healthcare providers participate in the plan. PRESCRIPTIONS Prescription drug coverage, covered medications and pharmacy considerations. NETWORKS Plan network rules and how they may affect where you receive care. BENEFITS Additional benefits and services that may be included with certain plans. YOUR HEALTHCARE NEEDS Your doctors, medications, healthcare preferences and budget can all influence which options may be worth considering. START COMPARING MEDICARE OPTIONS GETTING STARTED IS SIMPLE Explore Your Medicare Options in Four Steps 1. START ONLINE Begin exploring available Medicare plan options from the convenience of your home. 2. REVIEW YOUR NEEDS Consider the doctors you see, prescriptions you take, your preferred coverage and your budget. 3. COMPARE AVAILABLE OPTIONS Review plan differences, including costs, coverage, benefits, networks and other features. 4. GET PERSONALIZED HELP If you have questions or want assistance, speak with a licensed Medicare specialist. COMPARE MEDICARE PLANS Prefer to talk with someone? CALL 1-833-942-2892 READY TO EXPLORE YOUR MEDICARE OPTIONS? Start Comparing Available Medicare Plans Whether you're turning 65, retiring, already enrolled in Medicare or reviewing your coverage, you can start exploring available options today. COMPARE MEDICARE PLANS SPEAK WITH A MEDICARE SPECIALIST Plan availability varies by location and eligibility. WHEN CAN YOU ENROLL IN MEDICARE? Your Enrollment Opportunity Depends on Your Situation Medicare has different enrollment periods depending on your circumstances. Knowing which period applies to you can help you understand when you may be able to enroll or change coverage. ANNUAL ELECTION PERIOD The Medicare Annual Election Period generally runs from October 15 through December 7 each year. Changes made during this period generally take effect January 1 of the following year. INITIAL ENROLLMENT PERIOD When you're first eligible for Medicare, you generally have a seven-month Initial Enrollment Period surrounding your 65th birthday month. MEDICARE ADVANTAGE OPEN ENROLLMENT PERIOD If you're already enrolled in a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period may provide an opportunity to make certain changes between January 1 and March 31. GENERAL ENROLLMENT PERIOD The General Enrollment Period generally runs from January 1 through March 31 for people who need to enroll in Medicare Part A and/or Part B after missing their Initial Enrollment Period. OTHER SPECIAL ENROLLMENT OPPORTUNITIES Certain life events and changes in coverage may create a Special Enrollment Period. Not sure which enrollment period applies to you? SPEAK WITH A MEDICARE SPECIALIST Enrollment rules, eligibility and effective dates depend on your individual circumstances. UNDERSTANDING THE PARTS OF MEDICARE Medicare Coverage Is Divided Into Different Parts Understanding the basic parts of Medicare can help you better understand the coverage options available to you. Medicare Part A Hospital Insurance Part A generally helps cover eligible inpatient hospital care, skilled nursing facility care, hospice care and certain home health services. Read More Medicare Part B Medical Insurance Part B generally helps cover eligible doctor services, outpatient care, preventive services, medical supplies and other covered medical services. Read More Medicare Part C Medicare Advantage Medicare Advantage plans are offered by Medicare-approved private organizations and provide Medicare-covered Part A and Part B services through the plan. Many plans also include prescription drug coverage and may offer additional benefits. Read More Medicare Part D Prescription Drug Coverage Part D helps cover prescription drugs through Medicare-approved private plans. Prescription coverage may be provided through a standalone Part D plan or included with many Medicare Advantage plans. Read More NOT SURE WHAT YOU NEED? You don't have to figure it all out by yourself. A licensed Medicare specialist can help you understand the differences between available Medicare coverage options and determine what may be worth considering based on your situation. GET HELP WITH MEDICARE HAVE MEDICARE QUESTIONS? Get Answers Before You Choose a Plan Medicare can be complicated. Our Medicare resources are designed to help you understand common questions and make more informed decisions about your coverage. VIEW ALL MEDICARE RESOURCES DON'T KNOW WHERE TO START? YOU DON'T HAVE TO FIGURE OUT MEDICARE ALONE If you're confused about Medicare, you're not alone. Whether you're turning 65, retiring, already enrolled in Medicare or simply want to review your options, JRF Services can help you take the next step. Start online or speak with a licensed Medicare specialist about available options. COMPARE MEDICARE PLANS CALL 1-833-942-2892 READY TO REVIEW YOUR MEDICARE OPTIONS? Start Exploring Available Medicare Plans Today Whether you're preparing for Medicare for the first time or reviewing your current coverage, JRF Services can help you explore available Medicare plan options. COMPARE MEDICARE PLANS SPEAK WITH A MEDICARE SPECIALIST Prefer to talk by phone? 1-833-942-2892 Monday–Friday | 9:30 AM–6:00 PM EST Plan availability varies by location and eligibility. SCHEDULE A CALL IMPORTANT MEDICARE INFORMATION We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. For information about all of your Medicare options, please contact Medicare at 1-800-MEDICARE or visit Medicare.gov. Medicare plan availability, benefits, premiums, costs and eligibility vary by location and individual circumstances.

Explore supplemental insurance options online with JRF Services. Compare coverage for accidents, hospital stays, critical illness, cancer, dental, vision, hearing and more. Get a quote online or speak with a licensed insurance agent. GET SUPPLEMENTAL INSURANCE ONLINE Additional protection for unexpected accidents, illnesses, hospital stays and other covered events. Supplemental insurance can provide additional benefits that work alongside your existing health coverage. Depending on the policy, benefits may be available for covered accidents, hospital stays, critical illnesses, cancer and other qualifying events. With JRF Services, you can explore available supplemental insurance options online or choose to speak with a licensed insurance agent before you apply. GET A QUOTE ONLINE TALK TO A LICENSED AGENT Prefer to speak with someone first? Schedule a call or request a callback from a licensed insurance agent to discuss your options. YOUR HEALTH INSURANCE MAY NOT COVER EVERY FINANCIAL IMPACT Supplemental insurance can provide an additional layer of financial protection for certain covered situations. Health insurance can help cover eligible medical care, but you may still have deductibles, copayments, coinsurance and other expenses when an unexpected accident, illness or hospitalization occurs. Supplemental insurance is designed to provide additional benefits for specific covered situations. Depending on the policy, those benefits may provide additional financial resources when you experience a qualifying event. The right coverage depends on your existing insurance, your financial situation and the risks you want to address. EXPLORE YOUR OPTIONS HOW DOES SUPPLEMENTAL INSURANCE WORK? Additional coverage designed to work alongside your existing health insurance. Supplemental insurance generally works alongside—not instead of—your primary health insurance. Depending on the policy, you may receive specified benefits when a covered event occurs. Some supplemental policies may provide benefits directly to the insured, while others work differently. Benefits, exclusions, waiting periods, eligibility, premiums and availability vary by policy and state. YOUR PRIMARY COVERAGE Your existing health insurance or other coverage remains your primary source of medical insurance. ADDITIONAL PROTECTION Supplemental coverage addresses specific situations or expenses described in the policy. BENEFITS WHEN QUALIFIED If a covered event occurs, the policy may provide the benefit specified in the policy documents. SEE AVAILABLE COVERAGE EXPLORE SUPPLEMENTAL INSURANCE OPTIONS Choose additional protection based on the risks and expenses that matter most to you. There isn't one supplemental insurance policy that fits everyone. JRF Services provides access to different types of supplemental coverage designed around specific needs. ACCIDENT INSURANCE Additional benefits may be available following qualifying accidental injuries. EXPLORE ACCIDENT COVERAGE → HOSPITAL INDEMNITY Coverage designed to provide specified benefits for qualifying hospital stays and related covered events. EXPLORE HOSPITAL COVERAGE → CRITICAL ILLNESS Additional protection for certain qualifying serious illnesses, depending on the policy. EXPLORE CRITICAL ILLNESS → CANCER COVERAGE Coverage designed around certain qualifying cancer-related events and benefits. EXPLORE CANCER COVERAGE → DENTAL, VISION & HEARING Explore additional coverage for eligible dental, vision and hearing needs. EXPLORE DENTAL, VISION & HEARING → HOME HEALTH CARE Additional coverage may be available for certain qualifying home health care needs. EXPLORE HOME HEALTH CARE → SHORT-TERM CARE Explore coverage designed to provide benefits for certain qualifying short-term care needs. EXPLORE SHORT-TERM CARE → OUT-OF-POCKET PROTECTION Explore options designed to provide additional financial benefits for certain covered expenses. EXPLORE OUT-OF-POCKET PLANS → IMPORTANT NOTE Coverage, benefits, limitations, exclusions, eligibility, premiums and availability vary by policy and state. IS SUPPLEMENTAL INSURANCE RIGHT FOR YOU? Supplemental insurance isn't automatically right for everyone—but it may be worth exploring. Supplemental insurance isn't automatically right for everyone. It may be worth exploring if you want additional financial protection for specific situations. INDIVIDUALS Looking for additional protection beyond existing health coverage. FAMILIES Wanting additional financial protection for covered accidents, illnesses or hospital stays. HIGH-DEDUCTIBLE HEALTH PLAN MEMBERS Concerned about potential out-of-pocket expenses associated with unexpected medical events. MEDICARE BENEFICIARIES Wanting to understand whether additional supplemental coverage could address a specific need. EXPLORE YOUR OPTIONS CHOOSE HOW YOU WANT TO SHOP Purchase online or get help from a licensed insurance agent. SHOP ONLINE Prefer to handle things yourself? Explore available supplemental insurance options online from the convenience of home. GET A QUOTE ONLINE TALK WITH A LICENSED AGENT Have questions before you apply? Schedule a call or request a callback from a licensed insurance agent who can help you understand the available options. SCHEDULE A CALLBACK You choose the approach that works best for you. BEFORE YOU APPLY, KNOW WHAT YOU'RE BUYING Understanding the policy is just as important as choosing the coverage. Supplemental insurance policies can differ significantly. Before purchasing, take time to understand what the policy actually covers and when benefits apply. Checklist ✓ Covered events What situations trigger benefits? ✓ Benefit amounts How much does the policy provide when you qualify? ✓ Waiting periods When does coverage begin and when do certain benefits become available? ✓ Exclusions and limitations What isn't covered? ✓ Premium What will you pay for the coverage? ✓ Eligibility Who qualifies for the policy? ✓ State availability Is the coverage available where you live? ✓ Renewal provisions Understand how the policy can change or renew. VIEW PLAN INFORMATION REVIEW SUPPLEMENTAL INSURANCE PLANS Want to learn more before requesting a quote? Review available product information and brochures to better understand the coverage you're considering. 24 Hr Accident Expense Plan Accident (Personal) Indemnity (Paid) Cancer Heart Attack & Stroke Cancer Care Plus Critical Protection and Recovery Dental, Vision & Hearing Dental, Vision & Hearing Select Final Expense Insurance Home Health Care Enhanced Home Health Care Select Hospital Indemnity Affordable Choice Hospital Indemnity Select Out-of-Pocket Protection Plan Short Term Care Insurance Ancillary Benefits VIEW BROCHURES & PLAN INFORMATION ADDITIONAL MEMBER BENEFITS Some plans may include access to additional services and member benefits. VIEW ADDITIONAL BENEFITS → ALREADY HAVE HEALTH INSURANCE? You may still want to explore additional protection. You may be wondering whether supplemental insurance makes sense if you already have health coverage. The answer depends on your existing coverage, financial situation and the risks you want additional protection against. Consider your deductible, copayments, coinsurance, emergency savings, existing supplemental benefits and the financial impact an unexpected accident, illness or hospitalization could have on your household. READ: DO I NEED SUPPLEMENTAL INSURANCE? ADDITIONAL PROTECTION FOR THE PEOPLE WHO MATTER MOST Unexpected events can affect the whole household—not just your medical care. An unexpected accident, serious illness or hospital stay can affect more than your medical care. It can also create financial challenges for your household. Supplemental insurance may provide additional benefits for certain covered events, giving you another layer of financial protection to consider alongside your existing health coverage. EXPLORE FAMILY COVERAGE SUPPLEMENTAL INSURANCE FAQ Get answers to common questions before you apply. Is supplemental insurance the same as health insurance? No. Supplemental insurance is generally designed to provide additional benefits for specific covered situations. It is not a replacement for comprehensive major medical health insurance. Can I have supplemental insurance if I already have health insurance? Yes. Depending on the product, supplemental insurance may be purchased alongside existing health coverage. Will supplemental insurance pay my deductible? Not necessarily. A supplemental policy may provide a specified benefit following a qualifying event, but the benefit does not automatically equal your deductible. Can supplemental insurance pay me directly? Some supplemental policies provide benefits directly to the insured when a qualifying event occurs. The specific policy determines how benefits are paid. Can I buy supplemental insurance online? Some supplemental products may be quoted or applied for online, depending on the product, eligibility and state availability. Do I need supplemental insurance? Not necessarily. Supplemental insurance is generally optional. The important question is whether a particular policy addresses a financial risk or coverage need that matters to you. Can Medicare beneficiaries buy supplemental insurance? Some supplemental products may be available to Medicare beneficiaries, but "supplemental insurance" can refer to different types of products. Medicare beneficiaries should understand their existing coverage before purchasing additional insurance. LEARN MORE BEFORE YOU BUY Understanding your options can help you make a more informed insurance decision. Insurance can be complicated. Our supplemental insurance resources can help you understand your options before you apply. CLICK TITLES BELOW TO READ MORE READY TO EXPLORE YOUR OPTIONS? Get supplemental insurance online or speak with a licensed insurance agent. Additional protection starts with understanding your options. Explore available supplemental insurance online or speak with a licensed insurance agent who can help you understand the coverage you're considering. GET A QUOTE ONLINE SCHEDULE A CALLBACK Supplemental insurance policies are limited-benefit products. They are not a substitute for comprehensive major medical health insurance. Benefits, exclusions, limitations, waiting periods, eligibility, premiums and availability vary by policy and state. Review the policy documents carefully before purchasing.

Get Life Insurance Online with JRF Services. Get quotes for life insurance in seconds and apply in minutes from your computer, tablet, or smartphone. Compare available options online or schedule a call with a licensed life insurance agent for personalized assistance. GET LIFE INSURANCE ONLINE GET QUOTES FOR LIFE INSURANCE IN SECONDS AND APPLY IN MINUTES! Getting life insurance doesn't have to mean making multiple phone calls, visiting an office, or waiting days just to find out what coverage may be available. With JRF Services, you can start your life insurance search online and explore available coverage options from multiple insurance carriers through one convenient online experience. Get instant life insurance quotes now and begin the process from your computer, tablet, or smartphone. Compare available options, review pricing, and, when appropriate, move forward with an online application—all at a time and place that's convenient for you. And if you prefer to speak with someone before making a decision, you have that option too. Schedule a call or request a callback to speak with a licensed life insurance agent who can help you understand your available options. GET INSTANT LIFE INSURANCE QUOTES NOW → SCHEDULE A CALL WITH A LICENSED AGENT → FROM QUOTE TO COVERAGE GET YOUR LIFE INSURANCE QUOTE NOW FAST, CONVENIENT & AVAILABLE FROM YOUR COMPUTER, TABLET OR SMARTPHONE Why wait to find out what life insurance may cost? Clients can get quotes for life insurance in seconds and apply in minutes! The online quoting experience makes it easy to get started without having to contact insurance companies individually. Enter your information, explore available options, compare pricing, and determine which coverage may fit your needs and budget. Whether you're shopping for coverage for the first time, looking to protect your family's financial future, or reviewing your existing life insurance needs, you can start the process online whenever it's convenient for you. GET INSTANT QUOTES NOW! GET MY LIFE INSURANCE QUOTE → COMPARE LIFE INSURANCE OPTIONS FROM MULTIPLE CARRIERS MORE CHOICES CAN MEAN MORE OPPORTUNITIES TO FIND COVERAGE THAT FITS YOUR NEEDS Life insurance isn't one-size-fits-all. The right type and amount of coverage can depend on factors such as your age, health, financial responsibilities, family situation, income, budget, and long-term goals. That's why JRF Services provides access to a broad marketplace of life insurance options rather than limiting you to a single insurance company's products. Clients can access an online quoting experience with 60+ life insurance carrier relationships, giving them an opportunity to explore available coverage and pricing through one convenient platform. The specific insurance companies, products, rates, and eligibility available to you can vary based on your individual circumstances and the state where you live. Instead of trying to shop around on your own, start with JRF Services and explore available options in one place. COMPARE LIFE INSURANCE OPTIONS → LIFE INSURANCE OPTIONS FOR DIFFERENT NEEDS EXPLORE DIFFERENT TYPES OF COVERAGE BASED ON YOUR GOALS, BUDGET & STAGE OF LIFE Different types of life insurance are designed to address different financial needs. GET INSTANT QUOTES OR APPLY QUICKLY ON ANY DEVICE. READY TO GET STARTED ? Depending on your circumstances and eligibility, available options may include: Term Life Insurance — Coverage designed for a specific period of time and often considered by people looking for substantial protection at an affordable premium. Whole Life Insurance — Permanent life insurance designed to provide coverage for life, subject to the policy's terms and conditions, and may include a cash-value component. Universal Life Insurance — Permanent life insurance that can offer flexibility in premiums and death-benefit structures, depending on the policy. Guaranteed Universal Life — Permanent coverage designed primarily around providing a death benefit, with specific guarantees based on the policy requirements. Indexed Universal Life — A form of permanent life insurance that may provide cash-value growth potential linked to the performance of a market index, subject to the policy's terms, limitations, and risks. Final Expense Insurance — Coverage generally designed to help address expenses such as funeral, burial, or other end-of-life costs. Accidental Death Coverage — Coverage that may provide a benefit in the event of death resulting from a qualifying accident. Other life insurance solutions may also be available depending on your needs, state, eligibility, and underwriting. EXPLORE AVAILABLE LIFE INSURANCE → QUOTES IN SECONDS. APPLICATIONS IN MINUTES. YOUR LIFE INSURANCE SEARCH CAN START RIGHT NOW. You don't necessarily have to wait for an appointment to begin exploring life insurance. With the online process, you can start from wherever you are using your computer, tablet, or smartphone. Enter your information, receive available quotes, review your options, and—if you find coverage that meets your needs—begin the application process online. The goal is simple: GET A QUOTE. COMPARE YOUR OPTIONS. APPLY ONLINE. The time required to complete an application or receive an underwriting decision can vary depending on the product, the information provided, and the insurance company's underwriting requirements. But your first step can happen right now. GET LIFE INSURANCE QUOTES IN SECONDS! GET MY INSTANT QUOTE NOW → See Your Life Insurance Rates in a Matter of Seconds Fast and free. Find the perfect policy to protect your family without the endless paperwork. ONE PLACE TO START. MULTIPLE LIFE INSURANCE OPTIONS TO EXPLORE. JRF SERVICES IS HERE TO HELP YOU SHOP FOR LIFE INSURANCE YOUR WAY. As an independent life insurance broker, JRF Services is not limited to selling only one insurance company's products. Our role is to help clients explore available life insurance solutions across a broader marketplace and understand the choices available to them. You can begin the process online when you want speed and convenience—or work directly with a licensed life insurance agent when you want personal assistance. That means you choose how you want to get started. START EXPLORING LIFE INSURANCE → CHOOSE HOW YOU WANT TO GET STARTED BUY ONLINE OR TALK WITH A LICENSED LIFE INSURANCE AGENT Option 1 GET LIFE INSURANCE ONLINE Want to move quickly? Get started online from your computer, tablet, or smartphone. Get quotes for life insurance in seconds and apply in minutes. Review available options and begin your application online when you're ready. GET INSTANT QUOTES NOW → Option 2 PREFER PERSONAL ASSISTANCE? That's perfectly fine. You don't have to purchase life insurance online. Schedule a call or request a callback to speak with a licensed life insurance agent. Your agent can help answer questions, explain available coverage options, discuss your needs, and help you explore other life insurance solutions that may be available. SCHEDULE A CALL → WHY WAIT? YOUR LIFE INSURANCE QUOTE IS ONLY SECONDS AWAY. GET INSTANT LIFE INSURANCE QUOTES NOW PROTECT WHAT MATTERS MOST—START EXPLORING YOUR OPTIONS TODAY. Life changes quickly. Marriage, children, a mortgage, a new business, changing financial responsibilities, or simply wanting greater financial protection can all be reasons to review your life insurance needs. Whatever brings you here, JRF Services gives you a convenient place to start. You can get your life insurance quotes online, compare available options, and begin an application without having to make multiple calls or schedule an appointment just to get started. GET QUOTES FOR LIFE INSURANCE IN SECONDS AND APPLY IN MINUTES! Your next step can take less time than you think. TALK WITH A LICENSED LIFE INSURANCE AGENT → HAVE QUESTIONS? WE'RE HERE TO HELP. ONLINE CONVENIENCE WHEN YOU WANT IT. PERSONAL GUIDANCE WHEN YOU NEED IT. Life insurance can involve important decisions, and you may have questions before you apply. If you're unsure which type of coverage to consider, how much coverage you may need, or whether online purchasing is right for you, you can request assistance from a licensed life insurance agent. Your agent can discuss your situation, explain available options, and help you understand the differences between types of life insurance. You don't have to figure everything out by yourself. REQUEST A CALLBACK FROM A LICENSED AGENT → READY TO SEE YOUR LIFE INSURANCE OPTIONS? GET YOUR QUOTES NOW—IT ONLY TAKES SECONDS TO GET STARTED. Don't put off protecting the people, income, and financial responsibilities that matter most. Get life insurance online today. From your computer, tablet, or smartphone, you can get started, explore available quotes, compare your options, and begin an application in minutes. Or, if you'd rather speak with someone first, schedule a call or request a callback with a licensed life insurance agent. GET LIFE INSURANCE QUOTES NOW! GET INSTANT QUOTES → SCHEDULE A CALL Calling JRF Services IMPORTANT CALL INFORMATION When you call JRF Services, you will first be answered and screened by our automated attendant. The brief screening process helps reduce bots, spam calls, and unwanted automated traffic. After your information is received, your contact information will be provided to a licensed life insurance agent, who will promptly return your call to discuss your life insurance needs and available options. Thank you for helping us keep our phone lines available for real clients who need assistance. 60+ Carriers! Check out our Online Term & Whole Life Insurance or Schedule a Call for personalized quotes GET STARTED TODAY GET QUOTES FOR LIFE INSURANCE IN SECONDS AND APPLY IN MINUTES! Online from your computer, tablet, or smartphone. GET INSTANT LIFE INSURANCE QUOTES NOW → SCHEDULE A CALL WITH A LICENSED LIFE INSURANCE AGENT →

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.

Learn about JRF Services, an independent insurance brokerage offering health insurance, ACA plans, Medicare, life insurance, supplemental coverage, and ID theft protection. Explore options online or schedule a call with a licensed insurance agent. Insurance Guidance Built Around You Explore your options. Compare coverage. Choose how you want to get started. JRF Services helps individuals and families explore insurance options for their health, financial protection, and changing needs. Start online at your convenience or connect with a licensed insurance agent for personal assistance. EXPLORE INSURANCE OPTIONS CONTACT JRF SERVICES Professional Standards JRF Services maintains relevant insurance credentials and professional registrations. Review the applicable details below. Life & Health License AHIP Certification Marketplace Registration E&O coverage About JRF INSURANCE SERVICES Life & Health License AHIP Certification CMS Certified FFM Registered E & O Insured AML Certificate Major Carriers Verified by Google > Our Mission At JRF Services, our mission is to make choosing insurance easier. We help individuals and families explore coverage options, understand important differences between plans, and make informed decisions based on their needs and budget. Whether you're shopping for health insurance, reviewing Medicare options, exploring life insurance, or considering additional protection, you can begin online or request personal assistance from a licensed insurance agent. Our goal is simple: help you understand your options and move forward with confidence. Meet Your Insurance Broker Choosing insurance should be a clear and informed process—not a guessing game. JRF Services helps individuals and families explore coverage options for their health, financial protection, and changing needs throughout life. Our approach is straightforward: understand what matters to you, explain the available options, and help you take the next step with confidence. Start online at your convenience, or contact JRF Services to discuss your questions with a licensed insurance agent. Health Insurance & ACA Plans Explore individual and family health coverage options, compare available plans, and review Marketplace eligibility and potential financial assistance. COMPARE HEALTH PLANS ONLINE → Medicare Plans Explore available Medicare options and compare relevant premiums, benefits, provider networks, and prescription coverage based on your needs. EXPLORE MEDICARE PLANS → Life Insurance Explore life insurance options that may help protect loved ones, provide financial support, and address future financial responsibilities. EXPLORE LIFE INSURANCE → Supplemental Insurance Learn about additional coverage options, including accident, hospital indemnity, and critical illness products, where available. EXPLORE SUPPLEMENTAL COVERAGE → ID Theft Protection Explore services designed to help monitor personal information and provide identity-related assistance according to the selected program. EXPLORE ID PROTECTION → A Clearer Way to Explore Insurance Four straightforward steps take visitors from exploring coverage to making an informed decision. 1 Tell Us What You Need Consider your coverage priorities, budget, preferred doctors, prescriptions, family responsibilities, or other insurance needs. 2 Explore Available Options Review the plans and products available to you and compare important details such as premiums, benefits, eligibility, and limitations. 3 Choose How to Proceed Use the applicable online quote or enrollment tools, or request a call if you prefer personal assistance. 4 Review Before You Purchase Read the relevant policy or plan documents, including costs, coverage, exclusions, and limitations, before making a decision. GET HELP FROM JRF SERVICES Insurance Options. Personal Assistance. Your Choice. Choosing insurance can feel overwhelming. JRF Services helps you explore your options and understand important differences so you can make a more informed decision. Independent Insurance Options Explore products from the insurance providers and programs available through JRF Services. Convenient Online Access Review available quote and enrollment options when it suits your schedule. Personal Assistance Request a conversation with a licensed insurance agent when you have questions. Understand Your Coverage Review premiums, benefits, exclusions, eligibility, and limitations before purchasing. Frequently Asked Questions What types of insurance does JRF Services offer? JRF Services offers access to health insurance and ACA plans, Medicare plans, life insurance, supplemental insurance, and ID theft protection options. Product availability and eligibility depend on the particular offering and location. Can I purchase insurance online? Yes. You can start with the online quote or enrollment options available on the relevant product page. The process and eligibility requirements vary by insurance type. Can I speak with a licensed insurance agent? Yes. You can contact JRF Services or use the appointment option to request a conversation about your insurance needs and available options. Does it cost extra to work with JRF Services? Compensation arrangements depend on the product and provider. Where applicable, JRF Services receives commissions from insurance providers. Review any applicable fees, premiums, and product costs before enrolling. Can JRF Services help me compare coverage? JRF Services can help you review available plans and products, explain relevant differences, and consider factors such as cost, benefits, eligibility, and coverage limitations. VIEW ALL FREQUENTLY ASKED QUESTIONS Have Questions About Your Insurance Options? You don't have to navigate every insurance decision alone. Request a call from JRF Services to discuss your questions and explore the available options with a licensed insurance agent. Schedule an Appointment Choose an available appointment time using your existing scheduling tool. Call Center Hours Monday–Friday: 9:30 AM–6:00 PM ET Saturday–Sunday: APPOINTMENT CONTACT JRF SERVICES Schedule a Call First name* Last name* Email* Phone* Best Time to Call* Morning Afternoon Evening Home State* Consent to Call* Consent to one-time call Insurance Coverage* Life Health Medicare Supplemental ID Protection Other Discussion Topic Submit Let's Find the Right Insurance Options for You Whether you're shopping for health insurance, reviewing Medicare coverage, exploring life insurance, or considering additional protection, JRF Services can help you understand your available options. Start online at your convenience, or request personal assistance when you need it. EXPLORE INSURANCE OPTIONS CONTACT JRF SERVICES