Accident
Supplemental support following qualifying covered accidental injuries.
- Designed to complement medical coverage
- Benefits depend on the policy
WealthSecure Insights
Voluntary benefits in Wyoming & Colorado
Protection that can support your financial plan
Explore voluntary accident, critical illness, hospital, and life insurance options through Combined Insurance—designed to complement, not replace, major medical coverage.
Supplemental protection
Benefits may be paid in cash
For qualifying covered events, benefits may be paid in cash. The actual policy—not the medical bill—defines the benefit.
Policy terms, exclusions, benefit amounts, and eligibility apply.Choose what fits
Voluntary coverage for life’s disruptions
These selected products have additional premiums and can help with medical cost-sharing or other needs when a qualifying covered event occurs.
Critical illness
Support for qualifying covered critical illnesses, as defined by the policy.
- Review covered conditions and exclusions
- Consider financial needs beyond care
Hospital
Supplemental coverage for qualifying covered hospital events.
- Works alongside major medical
- Benefit terms determine coverage
Life insurance
Options to consider for protection needs that matter to you and your family.
- Eligibility and policy terms apply
- Ask about available choices
A coordinated benefits strategy
Start with the paycheck. Build around care.
We begin by reviewing each eligible employee’s potential take-home-pay increase, then consider coverage choices and budget.
1. CHAMP everyday care
Covered everyday care can come first. CHAMP works alongside major medical; it does not replace hospital or surgical coverage.
2. Major medical
Major medical remains the foundation for covered hospital and surgical expenses, subject to plan terms.
3. Combined protection
Add voluntary financial protection based on the needs employees choose to address.
Zero net cost is possible only for an eligible employee when their take-home-pay increase fully offsets their selected contribution. Others may choose more coverage and pay the difference.
An eligible pairing
Pair MVP major medical with Combined
Eligible groups obtaining AffordaCare MVP major medical with Combined Insurance may receive 5% off the MVP premium only. The offer does not discount Combined, Ameritas, or LifeX premiums.
Questions, answered
Understand the role of supplemental insurance
Does Combined replace major medical?
No. Supplemental insurance is not a substitute for major medical coverage.
Are benefits tied to the size of my medical bill?
No. For qualifying covered events, the policy defines benefits. Please review the applicable policy for details.
Where are these options available?
Combined Insurance is offered through WealthSecure Insights in Wyoming and Colorado, subject to availability and eligibility.
Coverage, eligibility, availability, premiums, and benefits are subject to policy terms, exclusions, and state requirements. This page provides general information, not tax, legal, or medical advice.
Start with a conversation
Let’s review your
benefits options.
Tell us about your team, coverage needs and budget. We’ll review CHAMP qualification, medical eligibility and voluntary options without a one-size-fits-all recommendation.
Prepare your inquiry
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