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Insurance Perspectives
Licensed Agents & Staff, thank you for visiting our website.
When you need our help just call, 713-771-7226, 9 to 5 CST M-F
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Thank you for working with us to best serve your clients.


Short Term Home Health Care Insurance that's Easy to Qualify for Affordable & Quickly Issued

A Specified Benefit Home Health Care plan that may be just right for some of your clients!

This Short Term HHC policy provides a choice of up to to 3 daily benefit levels. 
Check out this 
Consumer video  that you can add this your website or emails and send to clients.​
For Your Texas Residents - Click below to review the
  • Product Brochure 
  • Underwriting and Texas Rate Guide
  • Texas Specimen Policy
  • Texas Consumer Pages including Outline of Coverage
In Texas this policy has a Zero Day waiting period for home health care and a maximum of 360 lifetime days of benefit. 
(Some states have a reinstatement of benefits provision, but not TX.)

Click to review the application & note that page 2 shows the questions for your client to qualify.
This product can be applied for using a paper or online application and a face to face meeting is not required.

We have a second carrier that is also good.
Be aware, the prescription Drug benefit REQUIRES out of pocket cost for the prescription drug benefits to be paid.
If home health care benefits are more important than the drug benefits then this one is worth a look. 

3 benefit levels and up to **$600 prescription drug indemnity benefits per policy year**
(**As long as there is an out of pocket cost for the prescription. NOTE: NO OUT OF POCKET COST, NO BENEFIT PAID.)
For Your Texas Residents - Click below to review the
  • Agent Guide
  • Consumer Brochure
  • Rates
  • Sample Outline of Coverage for Texas​
In TX this policy has a Zero Day waiting period for home health care and a 364 lifetime days of benefits with a reinstatement of benefits after 180 day recovery! 

Click to review the application & note that page 3 shows the questions for your client to qualify.
This product can be applied for using a paper or online application and a face to face meeting is not required.
These products are very affordable, easy to understand and "almost" always issued! ​I hope that you have questions and will set up time to review these HHC products with me and let's discuss who you know that should have this important coverage for themselves or a family member!  Bill Sessums Jr. - 713-771-7226 or sessumsjr@gmail.com 

HHC products may not be available in all states.
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This website and the information herein is intended for the sole use of licensed Insurance Agents & their Staff.  If you are not a licensed Agent or Staff Member of one and need assistance please contact us for a referral to a licensed Agent in your area.

Copyright 2022, Insurance Perspectives.