Supplemental cancer, heart, accident, and ICU coverage in Dallas–Fort Worth
I'm Damian Garcia III, an independent agent with the Family Heritage Division of Globe Life. I help Dallas–Fort Worth individuals and families understand and choose among four optional supplemental policies. Cash benefits are generally paid to the policyowner, subject to policy terms.
- Serving Dallas–Fort Worth
- Independent agent with Family Heritage
- Supplemental, limited-benefit policies
Independent agent website. This site is not the official website of Globe Life Inc., Family Heritage Life Insurance Company of America, or their affiliates.
Four optional supplemental policies
Each policy is separate and optional. You may select one, combine several, or omit a policy, subject to availability and eligibility. Intensive Care (ICU) is its own policy and is not automatically included in the others.
Cancer
Cash benefits for covered cancer-related events and treatments as defined in the policy, subject to its limits, exclusions, and eligibility rules.
Heart Disease, Heart Attack and Stroke
Cash benefits for covered heart disease, heart attack, and stroke events as defined in the policy. A qualifying event and proof of loss are required.
Accident
Cash benefits for covered accidental injuries as defined in the policy. Exclusions apply. In the Texas sample accident form (A8), exclusions include some aviation-related activity, such as serving as aircraft crew.
Intensive Care (ICU)
Cash benefits when a covered hospital stay includes intensive care, as defined in the policy. This is a separate, optional policy.
Benefit levels: Elite8 and Preferred4
Elite8 (eight-unit)
The eight-unit option.
Preferred4 (four-unit)
The four-unit option.
The two options differ in benefit levels, but four-unit benefits are not necessarily exactly half of the eight-unit amounts. Exact benefits and premiums require the applicable schedule and a quote. Availability and eligibility apply.
Examples of limits in eight-unit Texas sample forms
These are illustrative eight-unit Texas sample figures. They are not current offers, quotes, or a guarantee that any plan is available, and each applies only under the form named and its benefit conditions.
- Cancer, form C15: self-administered chemotherapy benefit of $400 per qualifying calendar month, with a $48,000 lifetime maximum, subject to the form's benefit conditions.
- Cancer, form C15: radiation planning has a $2,400 lifetime limit, and special treatment has a $4,000 lifetime limit.
- Heart, form H7: the heart surgery and recovery benefit has a $24,000 per-hospitalization limit.
- Accident, form A8: hospital benefits are limited to 180 days per accident.
- ICU, form I10: intensive care benefits are limited to 30 days per hospitalization.
Some provisions do not state a lifetime aggregate, but that does not make any benefit unlimited. Every benefit is subject to its own terms, conditions, and exclusions.
Cash value and maturity benefits
Some policies include Cash Value Surrender and Maturity benefits as part of the policy itself. Benefits are calculated separately under each policy. The maturity benefit equals premiums paid while the policy was in force, minus Claims Incurred before maturity, as defined in that policy.
- Maturity, issue age 40 or younger: the later of the 25th policy anniversary or receipt of 25 full years of premium.
- Maturity, issue age 41 or older (sample cash-value forms): the policy anniversary after reaching age 65.
- Early surrender: available only after six completed years of premium payments. The amount equals premiums paid while the policy was in force multiplied by the applicable cash-value table percentage, minus Claims Incurred, as defined in that policy. It is not a full refund beginning in year six.
- At maturity: you do not have to surrender the policy to receive the maturity benefit, and coverage can continue under policy terms.
Rider premiums are included in early surrender only if the rider was in force for the entire period the policy was in force, and at maturity only if the rider is in force on the maturity date, subject to the applicable policy terms.
Cash-value options are for enrollment at age 55 or younger. Older applicants may have different policy forms with different benefits, so ask me about age-appropriate options.
How it works
We talk
A conversation about the coverage you already have and what you're trying to protect.
I explain your options
I'll explain benefits, limits, exclusions, and eligibility for the policies and benefit levels that may fit.
Apply for coverage
If you decide to apply, issuance, effective dates, waiting periods, eligibility, and exclusions depend on the policy.
Your independent agent in Dallas–Fort Worth
I'm Damian Garcia III, an independent agent with the Family Heritage Division of Globe Life, serving individuals and families in Dallas–Fort Worth. My job is to explain the available policies, including benefits, limits, exclusions, and eligibility, so you can decide what fits your situation.
- Guaranteed renewable coverageCoverage is renewable when premiums are paid. The insurer may change rates for all like policies issued in the same state with 60 days' prior written notice, and an individual policyowner cannot be singled out for a rate change. Rates are not fixed forever.
- Cash benefits generally paid to the policyownerSubject to policy terms, including assignments, beneficiary or estate provisions, and applicable Texas medical-assistance provisions.
- Cash value and maturity benefits on some policiesCalculated separately under each policy, with deductions for Claims Incurred as defined in that policy. See the cash value section above for the timing rules.
Frequently asked questions
Which policies can I choose from?
There are four separate, optional policies: Cancer; Heart Disease, Heart Attack and Stroke; Accident; and Intensive Care (ICU). You may select one, combine several, or omit a policy, subject to availability and eligibility. ICU is its own policy and is not automatically included in the others.
What is the difference between Elite8 and Preferred4?
Elite8 is the eight-unit option and Preferred4 is the four-unit option. The options differ in benefit levels, but four-unit benefits are not necessarily exactly half of the eight-unit amounts. Exact benefits and premiums require the applicable schedule and a quote, and availability and eligibility apply.
Is this health insurance?
No. These are supplemental, limited-benefit policies. They are not major medical insurance and are not a replacement for health insurance or workers' compensation. Benefits are paid only for qualifying events under the policy terms, and proof of loss is required.
Who receives the benefit payments?
Cash benefits are generally paid to the policyowner, subject to policy terms. Assignments, beneficiary or estate provisions, and applicable Texas medical-assistance provisions can affect who is paid.
Can my rates change?
The coverage is guaranteed renewable, which means it is renewable when premiums are paid. The insurer may change rates for all like policies issued in the same state with 60 days' prior written notice. An individual policyowner cannot be singled out for a rate change. Rates are not fixed forever.
How do cash value and maturity benefits work?
Some policies include Cash Value Surrender and Maturity benefits within the policy itself. Benefits are calculated separately under each policy. The maturity benefit equals premiums paid while the policy was in force, minus Claims Incurred before maturity, as defined in that policy. Early surrender equals premiums paid multiplied by the applicable cash-value table percentage, minus Claims Incurred. Rider premiums are included only when the applicable policy conditions are met. For issue age 40 or younger, maturity is the later of the 25th policy anniversary or receipt of 25 full years of premium. For issue age 41 or older in the sample cash-value forms, maturity is the policy anniversary after reaching age 65. Early surrender is available only after six completed years of premium payments and uses the formula above, so it is not a full refund. You do not have to surrender a policy at maturity to receive the maturity benefit, and coverage can continue under policy terms.
How do I get a quote or apply?
Use the request form on this page, call (469) 755-7717, or email damian@globelife-agency.com. I'll explain benefits, limits, exclusions and eligibility. If you decide to apply, issuance, effective dates, waiting periods, eligibility and exclusions depend on the policy.
What area do you serve?
I serve individuals and families in the Dallas–Fort Worth area.
Is this the official Globe Life website?
No. This is the website of an independent agent. It is not the official website of Globe Life Inc., Family Heritage Life Insurance Company of America, or their affiliates.
Request a quote or callback
Tell me which coverage you're interested in and how to reach you, and I can respond by phone or email.
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