Do you currently have a health or life policy, but need additional coverage? Ancillary products are insurance products that are acquired as a bonus or add-on purchase when purchasing another insurance product.

two types of ancillary products:

Coordinate Plans

These plans work in conjunction with your primary health insurance plan.

non-coordinate Plans

These plans do not coordinate the benefits with insurance, so you get paid the benefits of your policy, whether you meet your deductible or not.

Products We Offer

Bell & Associates Consulting Firm believes in helping our clients protect and grow what they currently have so they can easily transition into a successful retirement. We offer several products and services for current retirees and individuals who are making plans for retirement to ensure success.

Short Term Disability

Short-term disability insurance is a benefit that provides some compensation or total income replacement for non-job-related injuries or illnesses that render you unable to work for a limited time period.

Long term Disability

Long Term Disability provides income replacement of a certain percentage of your earnings before a non-work-related injury impacted your ability to work.

Accidental Coverage

Accident insurance helps you pay for out-of-pocket medical and non-medical costs from an accident or injury.

Critical Illness

Critical illness insurance helps pay for specific critical illnesses.

Cancer Coverage

A cancer policy is meant to fill the gaps when your health insurance policy benefits stop being paid or expenses are no longer covered.

Disability Income Insurance

Disability income insurance offers supplementary income when an illness or accident results in a disability that prevents you from working.

Hospital Indemnity Insurance

Hospital indemnity insurance is designed to pay for the costs of hospital admission that may not be covered by other insurance policies.

Long Term Care

 Long-term care coverage helps people live as independently and safely as possible when they can no longer perform everyday activities on their own without having to be strained financially.