Voluntary benefits provide businesses the ability to offer completing benefit packages to their employees, at low to no cost to the company itself. These additional benefits can be a valuable asset as it offers a financial safety net to employees and their families in case of serious illness or injury.

Gulf Guaranty offers specialized and straight forward plans to help offset unexpected expenses that healthcare plans may not cover. To learn more about Gulf Guaranty’s voluntary programs, email us at voluntary@gulfguaranty.com or call us at 769-487-6738.


MedPlus Hospital Indemnity Plan is a hospital indemnity plan that pays up to the maximum benefit when a covered person requires inpatient hospital admission. The plan reimburses the covered person & includes ER charges if the person is directly admitted. MedPlus Hospital Indemnity Plans are specifically tailored to help reduce or eliminate gaps in medical coverage.

Features of MedPlus Hospital Indemnity Plans:

  • Composite Rates (not age-banded)
  • No Health Questions
  • Ease of Rollover
  • Wellness Benefit
  • Covid-19 Testing Benefit


Gulf Guaranty has partnered with Kemper Health to provide employers with group cancer, critical illness and accident indemnity benefits. Plans offered through collaboration are provided as guarantee issue with no health questions. ²

Cancer: Cancer Insurance gives policyholders an extra layer of financial protection. After a one-time, lump sum first diagnosis benefit, the plan pays for additional benefits such as chemotherapy, radiation, and immunotherapy.

Critical Illness: Critical Illness coverage offers affordable options to provide financial protection from the high costs of healthcare. Our policies offer unparalleled flexibility, allowing employers a choice for design options.

Accident Indemnity: Accident Indemnity Insurance is another layer of protection that pays a cash lump sum after an unexpected injury. We offer a choice of policy options from a competitive basic plan to more robust policies. Level benefit amount pays the same to spouse and dependent children.

¹ MedPlus Hospital Indemnity Plan is offered on a case-by-case basis to large organizations. Please contact Gulf Guaranty for more information on availability and to obtain a quote. 
² No health questions required except those related to tobacco use.