Cash paid directly
to you.
Use the money where you need it: household bills, a deductible, travel, child care, or time away from work.
You decide how to spend the money
REFUNDABLE SUPPLEMENTAL INSURANCE
Who is your
priority?
Cash paid directly to you if you get hurt or sick. 100% refund if you don't use it.
Book a call 30 minutes with Caleb. See your options.Cash when life happens.
Money back if it doesn’t.
A serious diagnosis or injury can derail more than your health. This coverage pays cash directly to you so you can handle the bills that don't stop: rent, groceries, child care, or whatever matters most.
Get 100% of your premiums back, less claims paid.
HOW IT WORKS
Health insurance pays doctors.
This pays you.
It's protection for the bills that don't stop when an illness or injury changes your plans.
Cash paid directly
Get ALL your
money back.
We'll return 100% of the premiums you paid, less any claims. I'll walk you through the timing before you decide.
We'll explain the refund on your call
COVERAGE OPTIONS
Options we can discuss
Accidents & injuries
Cash benefits for covered injuries from unexpected accidents, on or off the job.
Book a callLET'S TALK
See what fits your priorities.
We'll chat about your situation and priorities, walk through your options, and how the refund works. You'll see your options and decide what makes sense. No pressure.
Pick a time with Caleb
Choose a time for a 30-minute conversation. You don't need to prepare anything.
Calendar not loading? Open it hereRather call me? (480) 406-9555
CLIENT FEEDBACK
Clear answers.
A real person.
Here's what people say about working with me, from the first conversation to help with a claim.
Caleb explained the coverage in plain English and showed me my options with no pressure.
Even after I signed up, Caleb has been responsive to my every question. He didn’t disappear after enrollment.
I hate paperwork. Caleb took all my documents and filed my claims for me!
At our staff meeting Caleb gave an overview of the program to the entire team. He was engaging, concise, and a true professional.
REAL PEOPLE. REAL STORIES.
What this looked like in real life
A few examples of how cash benefits helped people handle the rest of life during a covered event.
JackCLAIM PAID
$23,500A business owner with bills that couldn't wait
“One paid $3,000. Family Heritage paid me $23,500 in 6 days. As a business owner, time away from work means less income.”
DebbieCLAIM PAID
$134,893Time with her husband mattered most
“This policy allowed me to be there for him the entire 11 months he was in the hospital.”
D’AdrianCLAIM PAID
$9,600A claim that added zero stress
“It was insanely easy and added zero stress to my situation. The money came fast and let me pay a few bills.”
KylenCLAIM PAID
$138,850More time beside his son
“It let me put my focus on him rather than finances.”
LoreneCLAIM PAID
$113,140A policy they didn't expect to use
“They pay you exactly what they say in their policy.”
Claim payments depend on the specific policy and covered event. Individual results vary.
MEET CALEB
Agent.
Actual human.
Because no one needs another chatbot.
When you need help, I'm the one answering questions, walking through options, and helping you navigate claims.
When I'm not working, I'm usually with my daughter, in my woodshop, or losing on the pickleball court. I'm the same person with clients that I am in real life: personal, straightforward, and easygoing.
COMMON QUESTIONS
The honest answers, up front.
Something else on your mind? Ask me directly
Is this the same as health insurance?
No. It's supplemental cash-benefit coverage and does not replace major medical insurance. A qualifying claim can pay cash directly to you, based on the policy.
What does refundable insurance mean?
The plans we're discussing can return the premiums you paid after the required period, less any claims paid, if you keep the policy in force. I'll show you the timing and terms for your plan.
What can I use a claim payment for?
Cash benefits are generally paid directly to you, so you can use them for your priorities: household bills, travel, child care, or other expenses. Covered benefits and amounts depend on the policy.
I don't live in Arizona. Can we still talk?
Yes. I'm based in Arizona, and we can discuss the products available where you live and whether I can help you there.
Want to see whether this fits your life?
Book a call