Benefits include:

• No network
• Available in 29 states
• Issue ages 18-100
• Pays 80% of actual charges*
• No waiting period for preventative
• Up to $3,000 annual max benefit
• Street commission of 45%

*After $100 deductible, up to annual maximum

• Issue age 0-20
• $1,000-$30,000 (Standard and Guarantee Issue)
• Issue age 51-70
  • $1,000-$20,000 (Standard and Guarantee Issue)
• Issue age 0-20
  • Standard: $1,000-$10,000 (Standard and Guarantee Issue)
• Death benefits
  • Standard: Immediate
  • Guarantee Issue: 110% premiums paid for first two years
• Riders
  • Standard: Terminal illness, dismemberment
    (accidental death is paid optional)
  • Guarantee Issue: Terminal illness, dismemberment, accidental death

• Street commissions - 95% first year
  in most states!
• Benefit amounts of $5,000 - $75,000!
• Several optional riders available to customize your clients' coverage!
• $5,000 lump sum - a great fit with MA!
• $5,000 lump sum - $14/mo in most states age 65!

Be one of the first to offer APEX Dental in your state! These benefits are some of the best!

• Up to $5,000 annual max
• 20% commissions for life
• 700,000 network providers
• Network: DenteMax Plus
• Preventative services covered at 100%
• Basic services covered at 80%
• Major services covered at 50%
• Additional state availability coming soon

OmniFlex is transforming the short-term care insurance industry, offering simple underwriting, affordability and unparalleled flexibility.

• Simple two-tiered underwriting - offers coverage to more individuals
• Fast-50 Cash benefit option - first day access to cash benefits
• Built-in $300/year Rx benefit - the only STC with an Rx benefit
• Inflation rider - grows facility, HHC and cash benefits with inflation
• 10% spousal discount - couples save more when applying together
• Facility and home hospice coverage - rate in the STC industry