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                    ... and Save On Today’s High Cost Of Health Insurance!

      Offering 30 years of faithful service to our life and health insurance clientele!


Short Term Major Medical Health  Insurance
for all your Major Medical Needs!

Healthcare Savings Insurance for Doctors, Hospitals, Long Term Care,
Rx-Drugs, Dental, Hearing, Vision, Chiropractic, 24-Hour Nurse and More

Available to Individuals, Families and Businesses!




Health Insurance Overview

Anytime you are without insurance, you are running a risk. You may not have a health problem now, but insurance is for the unexpected. For up to 3 years, Secure 12x3 STM allows you and your family to purchase affordable short-term medical coverage for physician services, surgery, outpatient and inpatient care for a temporary period.

The Perfect Solution For Those:

Between health insurance plans...
A Cobra Health Insurance Alternative>

In a waiting period before other coverage becomes

Recent student and college graduates...
These are the health insurance plans that most colleges and 
       universities endorse!

 Part-time and temporarily employed

 Unemployed or laid off

Convenient  Features:

 > Short Term Major Medical Coverage: You can apply for  
    three consecutive 12 month coverage periods, up to a
    maximum of 36 months in all.

 > Coverage or discounts for Doctors,. Hospitals, Long Term
    Care Facilities,
Dental, Pharmacies, Vision, Hearing,  
24hr Nurse

Other Featuring Include...

  •   Includes Rx Drug Card - up to $10 for Generic Drugs
  •   $25 per doctor office visit
  •   $500 Supplemental Accident Option
  •   Choose any doctor or hospital
  •   Choice of $500, $1,000,$2,500, and $5,000 deductibles  
  •   Accept payment by: check, money order,
      MasterCard, Visa, Discover or automatic monthly bank draft

Learn More About The Program >>

Have Questions?
 ( Click on question below! )

How does the plan work?

Who qualifies for Secure 12x3 STM?

When does my coverage start?

 What is the effective Date of Coverage?

What medical expenses are covered?

Are pre-existing conditions covered?

Is there a free look period?

 Who is the Insurance Company?

Who is the Association?

        See our enhancement brochure>

  How does the Rx Drug Card work?

What is the STM Enhancement Series?

  What is the optional Supplemental Accident Benefit?

  How can I have additional coverage after the 12 month Coverage
      Period is complete?

When does coverage terminate?

Is there an extension of benefits after the plan terminates?

Do I need pre-certification?

What is a usual, reasonable and customary charge?

  Does the STM have a Preferred Provider?

What is LabOne Select?

How long will Secure 12x3 STM coverage last?

   What are my payment options?

  What services are not covered?



Secure STM is the brand name used for products underwritten and issued by
Standard Security Life Insurance Company of New York
Rated A (Excellent) by A.M. Best Reports

License #'s: for Lewis Fink, agent, CA: OC38446 MT: 29724 F00-0283-LC 

This  product may not be available in all states.

Notice: Choice=Options=Savings

We also represent top rated companies for:

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Making Your Long Term Care Insurance Needs Relevant To Your Long Term Circumstances  

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Disability insurance was created to insure you for a disabling sickness or injury, these plans will provide an individual the ability to continue their standard of living

Health insurance

Health insurance quotes that compare top rated plans side by side and allow you to apply for your policy online

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