Hospital Indemnity – Why You Should Choose One

Healthcare is no longer an option, but a necessity. Without proper coverage, a single health-related event can be financially devastating. Many families are left to face insurmountable medical bills and associated costs. Many families forget fine details when planning for emergencies, such as out-of-pocket expenses left over after coverage has run out.

14 million Medicare Advantage beneficiaries are exposed to gaps in their policy resulting in unforeseen out-of-pocket expenses. These gaps can be costly – the average hospital inpatient benefit gap in Medicare Advantage is $1,500. Nobody wants to pay that cash amount, and many do not plan for those costs.

Currently, only 1% of Medicare Advantage enrollees use a Hospital Indemnity plan to help with those unforeseen costs. It is not commonly understood that some Hospital Indemnity plans go hand-in-hand with Medicare Advantage plans to provide beneficiaries with the best coverage possible. Unexpected Hospital expenses are then covered including: Primary Care Doctor Office Visits, Skilled Nursing Care, Durable Medical Equipment, Lump Sum Cancer Payouts, Ambulance Services and much more.

Hospital Indemnity plans are designed to offer relief from unexpected medical bills due to the above-mentioned medical needs. Nobody should be left to pick up the pieces after a health-related incident. Nobody should fear not having enough to cover their needs. Make sure you have a secure hospital indemnity plan that covers the gaps that Medicare Advantage leaves behind.

To learn more about Health Insurance and different types, including Indemnity Plans, visit The Life and Health Insurance Foundation for Education (LIFE) – a nonprofit organization dedicated to helping Americans take responsibility for their finances through the ownership of life insurance and related products.

To learn more about Sentinel Security Life Insurance Company’s Hospital Indemnity product, please visit our website at or call 1.888.510.0668.

Blog written by: Thy Vu Mims, Marketing Communications Manager for Sentinel Security Life Insurance Co.


Great Partnerships

Throughout history, great partnerships have accounted for incredible success stories in areas of exploration, sports, technology, business, and entertainment.  For example, the Corps of Discovery Expedition (1804–1806), was the first transcontinental expedition to the Pacific coast undertaken by the United States. The partnership responsible for this historic endeavor was led by Meriwether Lewis and William Clark.  To this day, Lewis and Clark are arguably the most famous exploration team in history.

Back in the mid 1930’s, Stanford University graduates Bill Hewlett and Dave Packard joined forces with a budget of only $538 and a garage as their home office and turned the company into a global PC manufacturer with a 2012 annual revenue in excess of $120 Billion dollars [1].

Paul McCartney and John Lennon are well known as two of the four members of the Beatles.  However, few realize that in a short 7 year span they penned 180 songs.  27 of those songs reached #1 on the charts in either the US or UK.  EMI Records estimates that the Beatles have sold over one billion units worldwide [2].

One of my favorite sports is basketball and being a native of Utah, I am an avid fan of the Utah Jazz.  Any Jazz fan will fondly remember the glory days that included Karl Malone and John Stockton.  These two remarkable players combined to play in 2,980 games while scoring 56,539 points and helped the Utah Jazz to two NBA Finals appearances.  Stockton holds the NBA record for career assists, many of which went to Malone in helping him reach #2 on the career points list.  Both are members of the NBA Hall of Fame and set the standard for partnerships in professional basketball.

Since 1948 Sentinel has committed to being a valuable partner to policyholders, agents, and stockholders.  Over the past 3 years, Sentinel has seen tremendous growth in their product offerings, agents, and policyholders.  Along with this growth, Sentinel has made significant improvements in procedures, increased personnel, and upgraded systems to strengthen policyholder service.

With a strong senior market portfolio including Life, Medicare Supplement, Hospital Indemnity, and Annuity products, Sentinel is continually looking for innovative ways to provide premium products and services to their customers.  Agents who are ready to assist the millions of seniors who are looking for direction in these difficult times should strongly consider partnering with us to further develop their insurance practice.  Whether you are an agent or someone looking for one of the valuable products Sentinel provides, we invite you to learn more about partnering with Sentinel by visiting or by calling 800-247-1423.

Blog written by: Dan Hudgens, National Sales Manager for Sentinel Security Life Insurance Co.

[1] 2010 Form 10-K, Hewlett-Packard Company
[2] Guinness Book of World Records 2012

Planning for Your Future

The beginning of a new year is the perfect time to reflect upon the year that just passed and to plan for the year ahead. For most people, these plans are related to finances, health and family. These may seem like three different matters, but for many people all three are interwoven and each one plays a role in the total outcome. Sentinel Security Life offers products that address all three aspects of your family’s well-being. You need to ask yourself, will your family be able to afford all the expenses if you were suddenly not around to provide for them? This is a daunting but necessary question to ask when planning for your family’s future.

Sentinel Security Life offers several products including Life InsuranceMedicare Supplemental InsuranceHospital Advantage and Annuities. Our focus is to provide you with the options that can address your family’s finances, health and overall security. Our products can provide you with the peace-of-mind that you are seeking.

After reviewing our products, it is important that you find a qualified and licensed professional that can assist you in selecting a policy that will meet your family’s needs. Sentinel Security Life has many licensed agents in your area, and are able to answer any questions you might have. For additional information on any of our products, please visit us at or call 800.247.1423.

Blog written by: Thy Mims, Marketing Communications Manager for Sentinel Security Life Insurance Co.