About

Family Heritage Divison provides a unique program offering supplemental insurance which refunds 100% of the policyholder's premiums if claims in the term do not exceed the amount of premium paid. The policies are affordable and have no lifetime limits. They cannot be canceled due to age or claims filed. This makes our policies perfect for families to have peace of mind and protection against the unknown. 

We offer accident/injury, cancer, heart attack/stroke, and ICU policies to individuals, couples, single parents, and families at four different coverage levels. As an agent, I can work with businesses or individuals and can offer these programs as a supplemental benefit with no payroll deductions or charges to the business. This makes these programs perfect for small business owners who want to offer more benefits to their employees.