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    • Retirement Plans
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(210) 760-0409

  • Home
  • About
  • Contact
  • Retirement Plans
  • Life Insurance
  • Medicare
  • Business Resources

Ancillary Insurance Coverage

Added Protection for Life’s What-Ifs

Ancillary insurance refers to supplemental coverage options that fill the gaps left by traditional health or Medicare plans. These policies include benefits for dental/vision, hospital indemnity, cancer coverage, and more. While not always required, they can play a critical role in reducing unexpected out-of-pocket costs.


For example, hospital indemnity (AKA Copay Reimbursement) plans pay cash benefits directly to you when you’re admitted to a hospital - helping cover deductibles, transportation, or lost income. Cancer policies provide lump-sum payments that can be used however you see fit—whether for treatment costs, travel to specialists, or everyday bills. Dental and vision plans help with routine checkups, glasses, and procedures that traditional Medicare or health insurance typically doesn't cover.


By adding ancillary coverage to your financial plan, you create a stronger safety net for both routine and unexpected health events. These policies are often low-cost and customizable, giving you peace of mind and added flexibility when life throws a curveball.

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Life insurance can serve several purposes:

Hospital Indemnity

Heart Attack/Stroke

Hospital Indemnity

Hospital indemnity plans provide cash benefits when you're admitted to a hospital due to an illness or injury. This money can be used however you need—whether to cover deductibles, transportation, lost income, or other unexpected expenses.

Cancer Lump-Sum

Heart Attack/Stroke

Hospital Indemnity

Cancer lump-sum insurance pays you a one-time cash benefit if you're diagnosed with cancer. This payment can be used for anything you choose—such as treatment costs, travel to specialists, or everyday living expenses during recovery.

Heart Attack/Stroke

Heart Attack/Stroke

Heart Attack/Stroke

Heart attack and stroke insurance provides a lump-sum cash benefit if you experience a covered cardiac event, like a heart attack or stroke. The funds can help cover medical bills, rehabilitation, travel, or any other expenses while you focus on recovery.

Dental/Vision

Accident Insurance

Heart Attack/Stroke

Dental and vision insurance helps cover the cost of routine care like cleanings, exams, fillings, eyeglasses, and more. These plans make it easier to maintain your overall health while reducing out-of-pocket expenses for common services.

Accident Insurance

Accident Insurance

Accident Insurance

Accident insurance provides a cash benefit if you’re injured in a covered accident, helping to cover expenses like ER visits, X-rays, or follow-up care. You can choose between 24-hour coverage or off-the-job coverage only, depending on your needs and lifestyle.

Ancillary insurance isn’t just extra—it’s the peace of mind that fills-in the gaps when life takes an unexpected turn.


Zachary G. Espericueta


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