Many Americans have seen their out-of-pocket doctor and hospital expenses increase over time. If you are diagnosed with a serious illness or are involved in an accident, traditional health insurance programs may not pay for all the services you need.

You can help protect your assets. If you cannot work due to an illness or an accident, specified disease and accident insurance policies can help. No one likes to think about the likelihood of being affected by a serious illness or accident, but consider these statistics:

• Cardiovascular disease is the number one cause of death. (American Heart Association. Heart Disease and Stroke Statistics, 2010, page 8)
• About 1,529,560 new cancer cases were expected to be diagnosed in 2010. (American Cancer Society, Cancer Facts & Figures 2010, page 1)
• More than 25 million unintentional disabling injuries occurred in 2008. (National Safety Council, Injury Facts, 2010)

Are you prepared financially if something were to happen to you? Supplemental insurance might provide that answer with another layer of protection on top of existing policies you probably already have, such as health and life insurance. Also, some of these policies provide a lump sum benefit that may be used to pay for non-medical expenses. Beyond your medical deductibles and co-insurance, there are many non-medical costs that can be associated with an illness or accident.

Here are just a few of the benefits of having a Cancer, Heart, Accident, Hospital Surgery or Critical Illness Insurance Policy:

• The money comes directly to you or your designee and pays regardless of any other existing coverage you may have.
• You know exactly how much money may be paid for a covered claim - there are no surprises.
• Individual coverage with benefits that are portable even if you change jobs or retire.

Click the links below to learn more about the products available from Loyal American Life Insurance Company and the Great American Supplemental Benefits Group family of companies.

Hospital/Surgical (Loyal American Affordable Health Benefits)		Critical Illness (Cash Advantage)		Cancer Insurance (First Diagnosis and Cancer Treatment)		Heart Insurance (First Diagnosis and Heart Treatment		Hospital Confinement (Loyal Protection Plus)

Ask about our Return of Premium Rider* - After your policy has been in force for 20 years, you receive a check for 100% of your premiums paid, less any claims paid to you.

* Cancer, Heart, and Accident Policies are offered by United Teachers Associates

* United Teacher Associates has sole financial responsibility for these products.

* Return of Premium Rider not available in all states. Instead, Cash Value Rider in selected states. Riders require additional premiums.