Future Financial · Gold Package
Health coverage that pays you while you're still here.
Most plans only help after you've already drained your savings. The Gold Package bundles your health coverage with accident protection and a life policy you can access while you're alive — so a diagnosis doesn't turn into a financial event.
Step one — choose your level
Two deductible / unshared amount options.
This is the amount you're responsible for before your health coverage takes over. Lower amount, higher monthly cost. Higher amount, lower monthly cost. Either way, the accident coverage inside the bundle is built to absorb it when the cause is an accident.
Your accident coverage is designed to cover the full $2,500 if the cause is a covered accident.
What's inside the bundle
Three layers that cover each other's gaps.
Your core health coverage
Doctor visits, hospitalization, labs, imaging, and prescriptions — structured around the $2,500 or $5,000 deductible / unshared amount you choose. You keep real access to care without paying full retail for it.
Accident coverage that erases the deductible
Broken bone. Car wreck. Fall off a ladder. Sports injury. When something physical happens, the accident benefit is built to cover the full deductible / unshared amount — up to $5,000 — so the money comes from the plan instead of your account.
The benefit is paid directly to you, which means you can use it for the deductible, the co-pays, the time off work, or whatever the accident actually costs you.
Term life you can use before you die
Typically $100,000 to $1,000,000 of death benefit — but we're not building this for the death benefit. We're building it for the living benefits. If you're diagnosed with one of 15 qualifying critical illnesses, become chronically ill, or are certified terminal, you can access up to 90% of that death benefit as a lump sum of cash while you're still alive.
That's what pays the deductible, the max out of pocket, the mortgage, and the income you stop earning while you're in treatment.
Dental and vision
Cleanings, exams, glasses, and contacts can be added to the Gold Package for the household. Optional — added only if it makes sense for your family.
Run the scenarios
If this happens, here's what pays.
You break your leg on a Saturday.
ER visit, imaging, orthopedic follow-up, physical therapy. Under a standalone health plan, you'd be writing checks until the deductible was satisfied.
- Accident coverage is built to cover the full deductible / unshared amount — up to $5,000 — because the cause was an accident.
- Health coverage takes over from there for the ongoing treatment.
- Your out of pocket is designed to land at or near zero for a covered accident.
You're diagnosed with cancer at 44.
The medical bills are only half the problem. The other half is the income that stops the day you start treatment. Fifteen conditions can trigger the critical illness benefit.
The 15 qualifying critical illnesses
- Invasive life-threatening cancer
- Stroke
- Major heart attack
- End stage renal failure
- Major organ transplant
- Amyotrophic lateral sclerosis (ALS)
- Blindness due to diabetes
- Paralysis of two or more limbs
- Major burns
- Coma
- Aplastic anemia
- Benign brain tumor
- Aortic aneurysm
- Heart valve replacement
- Coronary artery bypass graft surgery
In California, the cancer condition is defined as invasive or metastatic cancer. Each condition has a specific definition in the policy rider, and the definition in your contract is what governs a claim.
- Living benefits let you access up to 90% of your death benefit as a lump sum of cash, while you're alive.
- You decide where it goes — deductible, max out of pocket, mortgage, payroll, treatment outside your network, or replacing your paycheck.
- Health coverage keeps handling the medical side while the cash handles your life.
You can no longer take care of yourself.
Chronic illness is measured by function, not by diagnosis. Two situations qualify.
- 01 Loss of two activities of daily livingYou are unable to perform at least two of the six activities of daily living for a period of at least 90 days.
- 02 Severe cognitive impairmentConditions such as Alzheimer's or dementia that require substantial supervision to protect you from threats to your health and safety.
The six activities of daily living
- Living benefits can release up to 90% of your death benefit to pay for care — home health, a caregiver, modifications to the house.
- Nobody in your family has to quit their job to become your full-time caregiver.
A doctor gives you twelve months or less.
Terminal illness is any condition a physician certifies as terminal, meaning a life expectancy of 12 months or less. This is the moment a traditional life policy does nothing for you, and everything for the people you leave behind. Living benefits change the timing.
- Up to 90% of the death benefit is available up front as a lump sum of cash.
- You use it while you're here — clear the medical bills, pay off the house, set your family up, take the trip.
- You're not leaving your spouse a stack of bills and a claim form.
Straight talk
Who this is built for — and who it isn't.
This is a fit if you
- Are self-employed, 1099, or without employer coverage
- Got priced out when the enhanced subsidies expired
- Are generally healthy and tired of paying for a plan you never use
- Have a family or a mortgage depending on your income
- Want your coverage to pay you, not just your provider network
This is not a fit if you
- Qualify for a strong subsidized marketplace plan — I'll tell you and help you enroll in that instead
- Are Medicare eligible — that's a different conversation, and I can have it with you
- Have significant ongoing treatment that needs specific in-network continuity
- Want the cheapest possible premium with no regard for what happens next
Next step
Let's price your Gold Package.
Fifteen minutes on the phone. I'll ask about your household, your health, and your budget, then show you exactly what the bundle costs and what it pays in each scenario. No pressure, and no charge.
The text button opens your messaging app with the message already written. Just hit send.
Kyle Santos · Future Financial · Tampa, FL · kyle@futurefinancial.us
This page is a general description of a bundled program and is not a contract. Benefits, eligibility, limitations, exclusions, waiting periods, and pre-existing condition provisions are governed entirely by the plan documents, membership guidelines, and policy contracts issued to you. Benefit amounts and availability vary by state, carrier, age, and underwriting.
Health care sharing programs are not insurance. A health care sharing ministry or membership program is not an insurance company, does not guarantee payment of medical bills, and is not regulated as insurance. Members voluntarily share eligible medical expenses; amounts described as "unshared amounts" are the member's responsibility. Where an insurance product is issued, coverage is provided by the issuing insurance carrier.
Accident coverage pays a fixed indemnity benefit for covered accidents only and is not major medical coverage or a substitute for it. It does not meet the definition of minimum essential coverage.
Living benefits are provided through accelerated death benefit riders and are subject to eligibility requirements, qualifying event definitions, and carrier discretion. Each qualifying critical, chronic, and terminal illness is defined specifically within the rider, and those contractual definitions — not the summaries on this page — determine whether a claim qualifies. Available conditions and definitions vary by carrier and by state. Accelerating a death benefit reduces the death benefit payable to your beneficiaries and may reduce or eliminate other policy values. Amounts shown are maximums; the actual amount available depends on the carrier's assessment at the time of claim. Accelerated benefits may be taxable and may affect eligibility for public assistance programs such as Medicaid. Consult a tax advisor.
Future Financial is an independent insurance agency. Kyle Santos is a licensed insurance agent. Not affiliated with or endorsed by any government agency.