Coverage for life's unknowns.
A health plan alone can leave real costs open: the deductible a hospital stay triggers, the income a diagnosis interrupts, the dental work nobody schedules. These six layers close those gaps, and most cost far less than people expect.
Six layers, one plan
Each one is built to pair with your health insurance. An advisor helps you pick only the layers your life actually calls for.
Dental coverage
Preventive care typically covered 100%, with fillings, crowns, and root canals covered at plan rates.
Vision plans
Annual exams covered in-network, plus allowances for frames, lenses, and contacts.
Critical illness
A lump sum of cash paid directly to you after a covered diagnosis like cancer, heart attack, or stroke.
Accident insurance
Cash benefits for injuries, ER visits, and fractures. No health questions, covered 24/7 worldwide.
Hospital indemnity
A fixed daily cash benefit for every day admitted, with ICU days paying more. No network restrictions.
Disability insurance
Replaces a large share of your paycheck if illness or injury keeps you from working.
AllstateGuardianHow we build your bundle
We map the gaps your health plan leaves for your actual life, then close only the ones that matter.
Each layer is chosen from the carrier that does that one thing best. You may get separate ID cards; you get one advisor for all of it.
Your advisor stays on your file and reviews the whole bundle each year, so nothing overlaps and nothing important is missing.
Ready when you are
Tell us three things and a licensed advisor will call with your real options, at your real price. No pressure, no obligation, and we make sure you're covered before we enroll you in anything.
Build my one plan
A licensed agent will call with your best options. No obligation.