Accident insurance is a type of financial product that pays out a lump sum if you incur specific kinds of injury as a result of an accident.
Critical Illness Insurance
Medical Recovery Insurance
Limited Medical Insurance
Accident Insurance
Cancer, Heart and Stroke
Cancer Insurance & Heart Attack/Stroke Insurance may be the ideal solution for those who are worried about covering the costs of a high deductible health Insurance policy.
Critical illness insurance provides additional coverage for medical emergencies like heart attack, stroke, or cancer. Because these emergencies or illnesses often incur greater than average medical costs, these policies pay out cash to help cover those overruns where traditional health insurance may fall short.
Medicare Supplemental Insurance helps over costs that are outside your Medicare plan like deductibles, co-payments and co-insurance. While each company must offer the same basic benefits, the rates may differ between companies.
Limited Medical is supplemental insurance that pays you fixed benefits to help with every day medical expenses. You can use its benefits alone or in addition to your primary insurance to give you extra help with those unavoidable out-of-pocket expenses and other costs major medical doesn't cover. 
Medicare Supplement Insurance
Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs.
Recovery Care Insurance
Short-Term Recovery Care insurance, also known as convalescent care insurance or short-term nursing facility insurance, helps manage the cost of temporary stays in a nursing facility.

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Welcome to the Carrier Operations Real-Time Exchange database. Access all of the information for PHP's 19 insurance carriers below. This information will assist you during your meetings with clients and helps you track training schedules.