I'm Damian Garcia III, an independent agent with the Family Heritage Division of Globe Life. I help Dallas–Fort Worth individuals and families understand and choose among four optional supplemental policies. Cash benefits are generally paid to the policyowner, subject to policy terms.
Independent agent website. This site is not the official website of Globe Life Inc., Family Heritage Life Insurance Company of America, or their affiliates.
Each policy is separate and optional. You may select one, combine several, or omit a policy, subject to availability and eligibility. Intensive Care (ICU) is its own policy and is not automatically included in the others.
Cash benefits for covered cancer-related events and treatments as defined in the policy, subject to its limits, exclusions, and eligibility rules.
Cash benefits for covered heart disease, heart attack, and stroke events as defined in the policy. A qualifying event and proof of loss are required.
Cash benefits for covered accidental injuries as defined in the policy. Exclusions apply. In the Texas sample accident form (A8), exclusions include some aviation-related activity, such as serving as aircraft crew.
Cash benefits when a covered hospital stay includes intensive care, as defined in the policy. This is a separate, optional policy.
Choose a benefit level and household coverage type—Individual, Single Parent, Couple, or Family—for each policy. You can mix and match coverage types and benefit levels to fit your household and budget.
For example, you might choose Individual Heart Disease, Heart Attack and Stroke coverage alongside Family Accident coverage. I'll help you explore your options, subject to availability and eligibility.
Benefits depend on the applicable policy terms. Let's discuss how these benefits apply to your coverage.
Health & household finances
Health insurance is an important foundation. A serious illness or injury can still put pressure on your household budget. These articles explain why the conversation matters.
CNBC · February 11, 2019
Medical bills and time away from work can strain a family's finances, even when they have health insurance.
Source: Lorie Konish, CNBC. Summary of reporting on medical issues and bankruptcy.
Read the CNBC article (opens in a new tab) ↗NPR / KHN · June 16, 2022
Medical and dental debt can affect insured families, forcing difficult choices about savings and everyday expenses.
Source: Noam N. Levey, NPR / KHN, republished by WVXU. Summary of the 2022 investigation.
Read the NPR article (opens in a new tab) ↗KFF · June 16, 2022
In KFF's 2022 survey, 44% of insured adults under age 65 reported current debt from medical or dental bills.
Source: Lunna Lopes and colleagues, KFF Health Care Debt Survey. Includes payment plans, credit cards, loans, and borrowing from family or friends.
Read the KFF research (opens in a new tab) ↗I'll help you understand how optional supplemental cash benefits may fit alongside the coverage you already have. Benefits are paid only for qualifying events under the policy terms.
Talk with DamianA conversation about the coverage you already have and what you're trying to protect.
I'll explain benefits, limits, exclusions, and eligibility for the policies and benefit levels that may fit.
If you decide to apply, issuance, effective dates, waiting periods, eligibility, and exclusions depend on the policy.
I'm Damian Garcia III, an independent agent with the Family Heritage Division of Globe Life, serving individuals and families in Dallas–Fort Worth. My job is to explain the available policies, including benefits, limits, exclusions, and eligibility, so you can decide what fits your situation.
There are four separate, optional policies: Cancer; Heart Disease, Heart Attack and Stroke; Accident; and Intensive Care (ICU). You may select one, combine several, or omit a policy, subject to availability and eligibility. ICU is its own policy and is not automatically included in the others.
Yes. You can choose a benefit level and household coverage type—Individual, Single Parent, Couple, or Family—for each policy, subject to availability and eligibility. You can also mix and match coverage types and benefit levels. For example, you might choose Individual Heart Disease, Heart Attack and Stroke coverage alongside Family Accident coverage. Let's discuss the combination that fits your household and budget.
No. These are supplemental, limited-benefit policies. They are not major medical insurance and are not a replacement for health insurance or workers' compensation. Benefits are paid only for qualifying events under the policy terms, and proof of loss is required.
Cash benefits are generally paid to the policyowner, subject to policy terms. Assignments, beneficiary or estate provisions, and applicable Texas medical-assistance provisions can affect who is paid.
The coverage is guaranteed renewable, which means it is renewable when premiums are paid. The insurer may change rates for all like policies issued in the same state with 60 days' prior written notice. An individual policyowner cannot be singled out for a rate change. Family Heritage has never raised rates on an existing policyholder who has paid premiums on time.
For issue age 55 or younger, the 100% maturity benefit is at 25 years or the policy anniversary after age 65, whichever comes first, less Claims Incurred. For issue age 56 or older, Survivor benefits are paid, less Claims Incurred, up to the amount stated in the policy. Benefits depend on the applicable policy terms. Let's discuss how these benefits apply to your coverage.
Use the request form on this page, call (469) 755-7717, or email [email protected]. I'll explain benefits, limits, exclusions and eligibility. If you decide to apply, issuance, effective dates, waiting periods, eligibility and exclusions depend on the policy.
I serve individuals and families in the Dallas–Fort Worth area.
No. This is the website of an independent agent. It is not the official website of Globe Life Inc., Family Heritage Life Insurance Company of America, or their affiliates.
Tell me which coverage you're interested in and how to reach you, and I can respond by phone or email.
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