Why Supplemental Health Insurance?

James Holmquist

Life happens, and we will all need medical care at some point. These important protection plans can help reduce the pain of high deductibles or copayments related to primary health plans. Supplemental Health insurance can help fill in the gaps of your primary health plan by providing cash to pay your out-of-pocket expenses not covered by your plan.

Critical Illness Policy

A critical illness protection policy that pays a lump sum benefit directly to you upon first diagnosis of a critical illness.


First Diagnosis Cash Benefit Cancer Plan

This is a cash benefit that benefits upon your first cancer diagnosis. Only applies one time. Issue ages 0-64 in CA, In other states 0-69, Contact Your Agent for your specific state.


Critical Illness Policy

James Holmquist

Do you know anyone who has ever had a heart attack, stroke, or major organ transplant and survived? What was their life like after the first year or two after? Chances are their health insurance didn’t cover all the costs, and the situations created undue financial stress on the family.

HealthGuard pays a lump sum benefit for first diagnosis of:

Covered Critical Illnesses 

Major Organ Transplant

Surgery to transplant a heart, lung, liver, kidney, or bone marrow.

Heart Attack

Cardiac arrest caused by acute myocardial infarction. 

Total Loss of Eyesight

Total and permanent loss of eyesight in both eyes. 


Caused by hemorrhage, embolism, thrombosis, or infarction of brain tissue producing a measurable neurological brain deficit. 

Total Loss of Hearing

Total and permanent loss of eyesight in both eyes.

End Stage Renal Failure

Chronic failure of both kidneys, measuring kidney transplant and weekly dialysis.

Policy Features 

Issue ages 18- 64

Choose your one-time lump sum benefit from $10,000, $20,000, $30,000, $40,000, and $50,000.(Benefit amount will reduce by 50% at age 65)

First diagnosis coverage- this policy terminates upon payment of benefit.

Guaranteed renewable to age 80.

Pays in addition to any other life, major medical or hospital coverage you already have

Individual and spouse coverage available.


This Policy Does Not Cover.

  • Any disease or injury involving the cardiovascular system except heart attack and stroke.
  • Transient Ischemic Attack (TIA).
  • Attacks of Vertebrobasilar Ischemia .
  • Cerebral Symptoms Due to Migraine
  • Cerebral Injury Resulting from Trauma or Hypoxia.
  • Vascular Disease affecting the eye or optic nerve.

Cancer Diagnosis Benefit

James Holmquist

Each year 12.7 million people discover they have cancer and cancer is the leading cause of death in the world. Cancer almost seems impossible to prepare for. However, James Holmquist Insurance offers a solution. We offer an insurance plan that provides a cash benefit upon cancer diagnosis. These lump sum benefits can be for individuals, single parents, and families. The lump sum benefits range from $10,000, $20,000, $30,000, $40,000 and $50,000.

The Coverage

The maximum benefit amount is due on first diagnosis of cancer. The money will come straight to you and you decide what to do next with the money. This policy pays in addition to any other existing coverage you may have.

  • Issue ages 0-64
  • Paid upon proof of diagnosis of cancer, can be made anywhere in the US.
  • No physical exam required.
  • A 30 day waiting period before eligible payment.

James Holmquist can assist you with all your healthcare needs.

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