Advantage Essential

Yes, it’s absolutely real! We’ve designed our insurance plans to offer full coverage at a price that makes sense for everyday Americans. Here’s why we can offer it at such a competitive rate:

1. Efficient Cost Management: A large part of why health insurance is expensive in the U.S. is because of inflated costs, particularly for prescription drugs and medical services. We work hard to keep costs low by negotiating directly and efficiently, ensuring that you’re not overpaying for your coverage.
2. No Expensive Marketing: Unlike other insurers that spend millions on TV ads and major marketing campaigns, we focus on word-of-mouth and digital strategies. By keeping our marketing costs low, we can pass those savings directly onto you, resulting in lower premiums.
3. Direct Focus on Value: We prioritize delivering the essential coverage you need without unnecessary add-ons that inflate prices. We believe in fair pricing without sacrificing quality or service.

$0 Deductible With Advantage Wellness Complete, you're covered from your very first medical expense. As a member, you won't have to bear any costs for numerous routine healthcare services.

Advantage Wellness Complete is available through the LifeExec Advantage Association (LEA). Members must be residents of the US. Coverage is available to LEA Members in all 50 US states.

Advantage Wellness Complete provides a free dental exam and emergency dental procedures. AWC is not dental insurance and does not cover common procedures like cleanings, fillings, root canals, or orthodontics.

To reduce premium costs, Advantage Wellness Complete excludes childbirth coverage. A special program for childbirth and pregnancy will be offered separately at a later date.

The specialized major medical fund designed to provide comprehensive coverage for major medical expenses. These expenses can arise from three categories - Accidents and Injuries, Terminal Illnesses, and Mental Disabilities.

Accidents and Injuries expenses are primarily covered by insurance, but in case of any overages, members can make use of the major medical policy. To qualify, the injury must impact two normal activities of daily living (ADLs) or be life-threatening. Typically, members can withdraw around $3000 - $4000 for coverage. For example, a broken arm or leg would qualify as a loss of ADLs.

There are 6 ADLs: Bathing, Toileting, Dressing, Mobility, Feeding, Transferring

Terminal illnesses such as cancer and heart disease are also covered. In these situations, members can access up to $30,000 as a one-time payment, along with an additional monthly withdrawal of $3000 - $4000.

For mental disabilities, a formal diagnosis like Alzheimer's or dementia is required. Members suffering from these conditions are entitled to receive $3000 - $4000 per month. This coverage is provided in addition to any long-term care insurance for home care or skilled nursing services.

At LifeExec, we prioritize the well-being and financial security of our members - ensuring adequate coverage for unforeseen medical circumstances.