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New Era Contracting & Appointment

New Era was incorporated in 1924. They are an industry leader in providing quality Medicare supplement insurance. New Era offers Medicare supplement products through a family of companies: New Era Life Insurance Company (NEC), New Era Life Insurance Company of the Midwest (NEMC) and Philadelphia American Life Insurance Company (PALIC).

New Era is online at NewEraLife.com.

New Era (full company name: New Era Life Insurance Companies), has been providing insurance policies since 1924 and has been operating under its current leadership since 1989. As of August 2019, the company CEO was Dr. Bill Chen, and its COO was Mary D. Frazier. According to the company website, New Era’s company philosophy is built around “applying the strengths of both eastern and western cultures.” In 2017 New Era announced that their rating from A.M. Best (a global credit rating agency focused on the insurance industry) had been upgraded from a B+ to a B++.

New Era Products and State Availability

These are New Era's current products and state availability for 2020, as well as information on contracting and appointment.

PALIC Enhanced 24 Hour Accident Expense

View this information as a web page.

State Availability

AL AR AZ GA IA ID IL IN KS KY LA MI MO MS NC NE NM NV OH OK OR PA SC TN TX UT VA WI WV WY

Plan Information

Current as of 05/04/2020

  • Issue ages 0 to 75.
  • Guaranteed renewable to age 80.
  • One or 2 units of coverage is available.
  • $50,000 or $100,000 of Accidental Death benefit.
  • Individual, Individual and Spouse, Single Parent, Family, and Child(ren) only plans are available.
  • Plan pays in addition to any other insurance.
  • Optional Accident Disability Income Benefit is available for the Primary Insured.
  • E-Enroll available.

Benefit Features:

  • Accidental Injury – $2,000-$4,000
  • Accidental Death – $50,000-$100,000
  • Ground or Air Ambulance – $5,000-$10,000
  • Hospital Income – $150-$300
  • Dismemberment – $500-$20,000

Optional Accident Disability Income Rider: $1,000-$2,000

If the primary insured incurs an accident disability, they will pay a monthly disability benefit, beginning the 31st day, up to the period selected (12 or 24 months). Applies only to the Primary Insured and pays up to 60% of their gross income.

Request a Product Kit for New Era PALIC Enhanced 24 Hour Accident Expense

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

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PALIC Critical Illness

View this information as a web page.

State Availability

AL AR AZ CA GA IA ID IL IN KS KY LA MI MO MS NC NE NM OH OK OR PA SC TN TX UT WI

Plan Information

Current as of 05/04/2020

Crisis Recovery Critical Illness provides a lump sum cash benefit directly to the beneficiary on the diagnosis of a covered illness.

Benefit Amount: $10,000 – $50,000 for both Applicant and Spouse, and $10,000 for each Dependent Child.

Category One Benefits:

  • Cancer (Internal Cancer) and Non-Invasive Carcinoma In-Situ

Category Two Benefits

  • Heart Attack, Stroke
  • Coronary Artery Bypass
  • Angioplasty, Pacemaker Implant (single and double-chambered)
  • End-Stage Renal Failure
  • Organ Transplant (kidney) and Organ Transplant (heart, lung, liver, and pancreas).

A benefit percentage will be paid for the first diagnosed illness or procedure in one category of benefits. Should a second diagnosis of a condition or procedure in another category arise, the maximum benefit will be paid again. If a partial benefit is paid, the remainder of the benefit will be payable upon the diagnosis of another covered condition.

Plan is guaranteed renewable. E-enrollment available. Accident Expense Policy, including Accident Expense Optional Benefits, can be coupled with the Critical Illness.

Policy may vary by state.

Request a Product Kit for New Era PALIC Critical Illness

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

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PALIC Dental Choice Plus

View this information as a web page.

State Availability

AL AR AZ GA IN KS LA MI MO MS NE OK PA SC TN TX UT WI

Plan Information

Current as of 05/04/2020

PALIC Dental Choice Plus is a hybrid dental insurance plan combining traditional dental insurance with network providers’ discounts.

Standard and Enhanced plans: Calendar Year Maximum Benefit: $1,500 and $2,000.

Orthodontic and Prosthodontics Lifetime Maximum: $1,000 for each type of service.

  • Plan Type options: Individual, Individual and Spouse, Individual and Child(ren), and Family.
  • No waiting periods on Diagnostic and Preventative service and paid at 100% when using a network provider.
  • No waiting period on major service and receive pre-negotiated prices when using a network service provider.
  • Freedom to choose your healthcare provider – Dental Choice Plus will pay the non-network provider at the same rate as if in-network. The insured will be responsible for any non-network charges that are in excess of the pre-negotiated network fees schedule.
  • E-Enrollment available.

Vision, Lasik, and Hearing products are discount products that can be included at no extra cost; these services are not insurance.

Request a Product Kit for New Era PALIC Dental Choice Plus

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

PALIC GAP

View this information as a web page.

State Availability

Current as of 10/30/2020

IA IL MS NC NE PA SC TX

Plan Information

Current as of 05/04/2020

Philadelphia American Life Insurance Company’s (PALIC) GAP plan helps bridge gaps in coverage that may exist in an individual’s current insurance plan by reducing or even eliminating the out-of- pocket expenses associated hospitals and doctor bills. Benefits are based on a fixed dollar amount that you select for the purpose of paying deductibles and co-insurance amounts as well as Emergency Room and Urgent Care Center visits, that beneficiaries or covered family members are required to pay under their Primary Medical Insurance.

Fixed Indemnity Benefits:

Inpatient Hospital Confinement: 1 Unit-6 – Units of $1,000

Outpatient Surgical Services: 1 Unit-6 Units of $500

Emergency Department Indemnity: 1 Unit-6 Units of $100

Urgent Care Center Indemnity: 1 Unit-6 – Units $100

The beneficiary can choose an annual calendar benefit starting as low as $1000 or a maximum benefit of $6,000. Since the GAP plan is based on a fixed benefit the individual will receive the benefit that they   have selected regardless of the expenses that are incurred.

In addition to the in-hospital benefit paid, the individual will still have additional annual benefits to help offset their costs for Urgent Care, Emergency Room and Outpatient Surgery.

Request a Product Kit for New Era PALIC GAP

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

PALIC Short Term Medical Wrap Plan

View this information as a web page.

State Availability

AL AR AZ GA IL LA MS NC OK PA SC TN TX

Plan Information

Current as of 05/04/2020

PALIC’s Short Term Medical Wrap policy is designed to provide catastrophic coverage for major hospital, medical, and surgical expenses incurred as a result of medically necessary care for a covered sickness or injury during a benefit period.

Issue ages 0 to 64. Coverage is in force only for the Benefit period selected and approved. Coverage ends on last day of the specific period selected. Benefit periods range from 3 months to 364 days.

Maximum Benefit: $250,000/$1,000,000 (with optional Enhancement rider). Deductible per Covered Person (maximum of two deductibles per policy per benefit period): $25,000/$50,000.

Benefit Summary:

  • Inpatient Hospital
  • Hospital Physician Services
  • Surgical and Anesthesia Services
  • Doctor Office Visits
  • Outpatient Services
  • Skilled Nursing Facility Care
  • Home Health Care
  • Outpatient Physical Medicine Services
  • Ambulance
  • Prescription Drugs
  • Complications of Pregnancy
  • Durable Medical Equipment and Supplies
  • X-ray
  • Radiation Therapy
  • Chemotherapy and Laboratory Charges
  • Cancer Treatment Drugs
  • Transplantation

Also includes a 10 Day Free Look and E-Enrollment.

Request a Product Kit for New Era PALIC Short Term Medical Wrap Plan

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

PALIC Health Saver Plus Gold Edition

View this information as a web page.

State Availability

AL AR AZ GA IA ID IL KY LA MI MO MS NC NE OH OK OR PA SC TN TX UT WI

Plan Information

Current as of 05/04/2020

PALIC’s Health Saver Plus Gold Edition Policy offers policyholders a growing number of tools, resources and value-added benefits that are sure to help you navigate through the costly and complex healthcare and marketplace.

Calendar Year Maximum Benefit: $100,000, $250,000 and $1,000,000

Lifetime Maximum of $5,000,000 per policy.

Calendar Year Confinement Deductible: $100, $500, $1,000, $2,500, $5,000, $7,500 and $10,000.

Hospital Indemnity Benefits: (benefit levels are Gold Value, Gold Plus and Gold Preferred)

  • Hospital Admission.
  • Hospital Confinement.
  • Hospital ICU.
  • Confinement for Mental Illness, Alcohol and/or Substance Abuse.
  • Confinement in a Rehabilitation Facility/Skilled Nursing Facility.
  • Outpatient Radiation or Chemotherapy.
  • Outpatient Hospital or Ambulatory Surgical Center.

Professional Services:

  • Inpatient Physicians Care.
  • Surgery Indemnity.
  • Inpatient Pathology/Radiology.
  • Assistant Surgeon Surgical Services.
  • Anesthesia Indemnity.

Additional Outpatient Benefits: Aggregate Calendar Year Maximum: $4,000 (Value), $6,000 (Plus), and $8,000 (Preferred).

Physician Indemnity; Specialist Physician; Surgery; MRI/PET/CAT Scan or Nuclear Testing; X-rays or Other Diagnostic Testing; Laboratory Indemnity; Injection Indemnity; Emergency Department Indemnity; Urgent Care Center Indemnity; Ambulance Indemnity; Generic/Brand Name Prescription Indemnity; Preventive Care; Mammograms; Colonoscopy Without Finding Polyps; All Other Care Preventative Services

Additional Plan highlights include the following: Telahealth Services and optional Critical Illness Rider or Policy.

Request a Product Kit for New Era PALIC Health Saver Plus Gold Edition

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

PALIC Health Choice Select

View this information as a web page.

State Availability

AL AR AZ GA IA ID IL IN KY LA MD MI MO MS NE NM NV OK PA SC TN TX UT WI WY

Plan Information

Current as of 05/04/2020

PALIC’s Health Choice Select hospital indemnity offers a Calendar Year Maximum Benefit: $100,000, $250,000 and $1,000,000; and Lifetime Maximum of $5,000,000 per policy. The number of Benefit Units per Policy: 1, 2, and 3. First Day Hospital Confinement Percentage: 100%, 80%, 50% and 20%.

Hospital Indemnity Benefits:

  • Hospital Confinement, Hospital ICU
  • Mental Illness, Alcohol and/or Substance Abuse
  • Rehabilitation Facility/Skilled Nursing Facility
  • Outpatient Radiation or Chemotherapy, and Outpatient Hospital or Ambulatory Surgical Center
  • Professional Services: Surgical, Inpatient Pathologist/Radiologist, and Physicians Care Indemnity Benefit for Non-Surgical
  • Daily Assistant Surgeon Surgical Services and Daily Anesthesia Indemnity Benefit for covered services are included

Outpatient Benefits:

  • Aggregate Calendar Year Maximum: $2,000 (1 Unit), $4,000 (2 Units), and $6,000 (3 Units)
  • Daily Outpatient Indemnity Benefits: Physicians, other Daily Outpatient benefits (MRI, CAT Scan, Nuclear Testing, additional Diagnostic Testing or X-rays, Laboratory Testing, Injections), Generic and Brand Name Prescriptions
  • Emergency Room, and Urgent Care Center. Daily Emergency Ambulance and Preventive Care Indemnity Benefits are included

Accident, Life, Critical Illness and Dental Riders are optional and may vary by state.

Value-added Benefits include: Teladoc; Healthcare Navigator; ScriptSave and PHCS (PPO Network discounts).

Request a Product Kit for New Era PALIC Health Choice Select

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Medicare Supplement

View this information as a web page.

State Availability

Current as of 10/30/2020

AL AR AZ FL GA HI IA ID IN KS LA MD MI MS NC NE NJ NM NV OH OK PA SC SD TN TX UT WI WV

Plan Information

Current as of 05/04/2020

New Era NEC, NEMC & PALIC all offer Medicare Supplement insurance. Medicare Supplement Insurance can help pay an individual’s share of some of the following healthcare costs that original Medicare does not pay: Annual deductibles, co-insurance, co-payments, charges in excess of the Medicare approved amount. Benefits vary by plan.

  • Select from Plan A, F, HDF, G, HDG, N. Benefits include:
  • Freedom to choose your own Medicare-participating doctor and Medicare-approved hospital.
  • Insurance that travels with you nationwide.
  • Fast electronic claims payment.
  • Guaranteed renewable.
  • E-App available.

Some information may vary by state. See state-specific information and rates.

Request a Product Kit for New Era Medicare Supplement

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

PALIC Specified Disease

View this information as a web page.

State Availability

Plan Information

Current as of 05/04/2020

PALIC’s Specified Disease Plan can help individuals protect themselves from costly medical procedures and expenses associated with fighting specified diseases and conditions.

Lifetime Maximum Benefit – $2,000,000

Calendar Year Maximum Benefit – $250,000/$500,000/$1,000,000

Deductible – Per insured person with a maximum of 3 deductibles per calendar year. $100,000/$75,000/$50,000/$25,000

After the deductible, the plan will pay the actual charges up to the usual, customary and reasonable amount for expenses incurred for a covered condition or procedure. Actual charges are defined as the actual amount paid by the individual or any other entity for services, treatment or material rendered.

Covered diseases, conditions and procedures:

  • Heart Attack, Stroke, Cancer (Internal Cancer)
  • Angioplasty, Coronary Artery Bypass Surgery
  • Pacemaker Implant or Insertion of Implantable Cardiac Defibrillator
  • Heart Valve Surgery
  • Amputation
  • Joint Replacement
  • End Stage Renal Failure
  • Amyotrophic Lateral Sclerosis (ALS)
  • Major Organ Failure/Major Organ Transplant (Bone marrow, heart, kidney, liver, lung, pancreas)
  • Ruptured Aneurysm (Ruptured Cerebral, Carotid or Aortic Aneurysm)

Request a Product Kit for New Era PALIC Specified Disease

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

New Era Documents

Explore our up to date library of tens of thousands of files from dozens of carriers, organized by state. Rate sheets, applications, underwriting guides, brochures, and more.

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