Long-term healthcare
Kaiser Ultimate Health Builder
Healthcare preparation for today and later, with life-protection and accumulated long-term healthcare value built into the plan.
2-page short brochure
Solutions library
Solutions for different financial needs.
Some visitors start with a financial question. Others already know the name of a solution. This page is the home for both: a quick overview, a path to the detailed page, and the short brochure for offline reading.
Protection + future goals
MOST18
18-year term life protection plus a Premium Deposit Fund for education, a home, business, travel, retirement and other future goals.
2-page short brochure
Advance memorial planning
Everest Memorial Solution
Life-insurance-based memorial preparation with concierge support for memorial expenses, final hospital bills and related family arrangements.
2-page short brochure
Investment funds
Mutual Funds
Explore diversified investment funds for long-term goals, with risk, time horizon and regular contributions considered together.
Explore solutions for every stage.
Find options for healthcare, protection, investments, retirement planning, estate preservation, real estate and other financial needs.
Organizational protection
Solutions for Groups
You may also have access to protection through a group you belong to.
Employers, government offices, associations, cooperatives and other organizations can make healthcare and financial protection available to many people collectively.
Group solutions work differently from individual plans. The organization arranges the program, while the benefits can be designed around the people being covered, the group's objectives and budget, and applicable eligibility and underwriting requirements.
Healthcare protection for groups
National Healthcare Shield
National Healthcare Shield provides a practical combination of preventive, outpatient, emergency, inpatient and dental healthcare benefits for eligible members of a participating group.
It is particularly relevant to government organizations looking at ways to use available medical allowances to provide meaningful healthcare benefits for their personnel.
Flexible life protection for a group
Group Yearly Renewable Term
GYRT provides one-year renewable life insurance protection for eligible members or employees of a participating organization.
Basic life protection can serve as the foundation, with additional benefits selected as building blocks according to the group's needs and budget.
Protect the loan—and potentially much more
Group Credit Life
Group Credit Life can protect an organization's loan receivables if a covered borrower dies.
It can also be structured so the original loan amount remains covered. The outstanding balance can be paid to the organization, while the remaining insurance benefit can go to the borrower's beneficiaries.
Interested in a group solution?
Group programs are arranged with the organization's leadership rather than by individual members.
Planning strategies and worksheets
Start with what the money needs to do; a product can come later.
Not sure which solution fits the problem?
Start with the financial need. The product can come later.