States Health and Life Co. - Life Insurance
Central States Health and Life Co.
States Health & Life Co. of Omaha (Central States/CSO)
is a mutual company owned by its policyowners. Founded in
1932, Central States quickly made its mark offering a credit
protection plan through banks in the Midwest. Today, over
65 years later, they offer a full line of individual health,
life, worksite, and credit life and disability insurance plans
and are licensed to do business in 49 states nationwide and
Guam. (Not licensed in New York state.)
Central States continues to experience solid growth, while
always operating with a sound financial base. Rated "A-"
Excellent by A.M. Best, a leading insurance industry analyst,
Central States Health and Life Co. has received an excellent
rating every year the current rating system has been used.
States Health and Life are dedicated to health and wellness,
having co-founded the Wellness Council of the Midlands and
the Wellness Council of America, a coalition of companies
dedicated to promoting wellness in the worksite.
States Health and Life vision
Well on the way in their vision to be the best supplemental
insurance company in the United States, Central States specializes
in providing senior protection plans and supplemental insurance
in worksite settings through payroll deduction; while still
offering a complete line of individual health, disability
and life plans. Go to "Protection Difference" or
"Sales Difference" to find out more about these
Central States Health & Life Co. of Omaha (CSO) enjoyed
an excellent year in 1998. Throughout the year they concentrated
on product innovation, improved service, and growth of premiums
and surplus. In order to stay competitive, it is vital for
the company to improve existing products and to develop innovative
new products to meet market opportunities. Service to their
customers and agents is evaluated continuously to insure that
their high standards are maintained. Profitable premium growth
ultimately enhances their surplus position, the comfort index
which provides their customers peace of mind.
Each of us has a reason we're associated with CSO. Many customers
value CSO's strong products and competitive prices. Others
appreciate CSO's knowledgeable and friendly service representatives.
CSO, they strive to provide excellent customer service. In
1999, they challenged themselves to become even more responsive
and efficient. Central States Health and Life are confident
you'll appreciate the difference.
Central States Health and Life Co. Insurance Products
Whether you're looking for protection for you or a family
member, Central States can help.
55 and my wife is 50 -- we've been hearing a lot about long
term care insurance -- we want to be protected if one of us
ever needs home health care or has to go into a nursing home,
so we can stay independent and not have to go on Medicaid
or be a burden to our children...
Protect your independence and secure your future with long
term care insurance from Central States. Their portfolio of
tax-qualified plans covers many of the expenses not covered
by Medicare or health insurance and are designed to help keep
you in your home as long as possible. You're in control. You
make the decisions on how you want to receive care, should
you or your spouse ever need it. Long term care insurance
premiums are now tax-qualified (for those who itemize) and
certain long term care benefits are also tax-free.
States Health and Life comprehensive plan:
a benefit account -- gives you greater flexibility in
receiving benefits and maintaining your independence.
for home health care and community services like meals
on wheels, adult day care and chore services.
care options -- keeps you at home as long as possible.
for all levels of care -- skilled, intermediate and custodial.
Coordinator Benefits -- personalized plan of care.
we offer long term care plans for every type of budget
-- you choose the plan that is right for you.
58 and a single mother with one son in college. I know I need
some type of nursing home coverage if I have to go into a
nursing home, but with my expenses I can't afford long term
care insurance. Is there a low-cost alternative to long term
Short Term Facility Care Now available in 20 states.
out of every five Americans will spend some time in a nursing
or assisted living facility. Of those, 75 percent will stay
less than a year. There is an affordable way to protect yourself.
coverage for nursing facility and assisted living facility
stays from 90 to 360 days
prior hospitalization required
in addition to other health insurance
access to benefits--just be unable to perform two of these
activities of daily living (bathing, eating, toileting,
Long Term Care Handbook," 1996, Jeff Sadlers
64 and ready to go on Medicare -- how can I cover what Medicare
doesn't -- like deductibles and co-insurance costs which come
out of my pocket?
Rely on Central States Health and Life a company providing
Medicare Supplement insurance since 1966 -- to help you cover
what Medicare doesn't. They offer plans A, B, C, D and F.
sets Central States Health and Life apart from the other companies?
choice of doctor
travel benefit -- if plans C or F are chosen
confusing claim forms -- we provide electronic claims
filing in most states
Customer Service Center -- call our friendly and accessible
Customer Service representatives with any questions you
Central States nor its agents are connected with or endorsed
been retired for several years -- I want to make sure there's
enough money after I'm gone to cover my funeral expenses and
medical bills. What's the right life insurance protection
Here's an opportunity for an immediate and permanent means
of protection for you. Feel comfortable knowing your final
expenses, transportation costs, and medical expenses will
be taken care of without burdening your family. With Central
States Health and Life's coverage:
have a premium rate that never increases
benefits will never decrease
medical exam or attending physician statement is required
interested in supplemental cancer insurance -- I've seen too
many of my friends and relatives diagnosed with cancer to
not be covered. I need coverage that will pay cash to me if
I ever get cancer and need to be off work to get treatment.
& Specified Disease
Protect your financial future with the cash benefits of this
coverage. (See Sherry's story -- a CSO policyowner who benefited
from Central States' Cancer Insurance plan.)
cash directly to you to cover things like lost wages,
child care and lodging while receiving treatment
in addition to any other medical coverage you have
chemotherapy, radiation, and radioactive isotopes therapy
30 specified diseases, in addition to cancer
States also offers the opportunity to purchase this plan
and many other supplemental plans through the worksite.
P.O. Box 34350,