Our plans are really incredible and have helped so many families affected by cancer, heart issues, accidents, broken bones, or premature babies. We pay money directly to the client to keep their family running as close to usual as possible during a really terrible time. What everyone loves about our plans is that they are refundable (if you don't need them, after a set number of years your premiums are refunded). Another awesome feature is that they don't have a cap or maximum payout. Finally, they can be offered by businesses, there's no minimum number of people required to be involved, and we don't go through payroll, so there's no extra work or cost for the business. Also, there's no break in coverage if someone leaves or retires. Please contact me for more information for yourself, your family, or your business. There's no obligation.