We proudly offer Family Heritage Insurance Products that help cover the costs associated with various illnesses and injuries.

Return of Premium

Many of our Family Heritage supplemental insurance policies include our flagship Return of Premium Benefit. If you keep your policy in force for a number of years as specified in your policy, and if you pay all your premiums, you will receive all your money back, minus the total amount of claims that have been paid to you. Wouldn’t it be nice if all your insurance worked that way?

In some states, rather than a Return of Premium Benefit, the policies contain a Cash Value Benefit. Please contact a Western Heritage representative for complete details.


Our cancer policies pay benefits when you or a member of your family has been diagnosed with cancer. These benefits are intended to help ease the financial burden of this devastating disease.

Intensive Care

Intensive Care benefits are designed to help cover the costs associated with being confined to the Intensive Care Unit. This coverage is not disease-specific and applies when you are confined to the Intensive Care Unit for any covered accident or sickness.

Heart and Stroke

Our Heart and Stroke policies have benefits specifically geared towards helping you pay the out of pocket expenses incurred when someone covered under your policy is diagnosed with heart disease.


While you can’t plan for accidents, we can help you prepare for the costs associated with them with an Accidental Injury Policy. Our Accident policies pay benefits to you when you or a family member suffer an unexpected accidental injury.

Hospital Confinement

Hospital Confinement Indemnity policies are designed to help offset the costs of in-patient hospital confinements. Like all of our products, these benefits are paid directly to you to help pay for expenses that are not covered by major medical insurance.


Having the right life insurance plan is the best way to help protect your loved ones against financial burden in the event of a premature death. Our life insurance policies are designed to ease some of this burden to give you and your loved ones peace of mind.

Not all products are available in all states, and where available, benefits will vary. Please contact a Western Heritage representative for cost and complete details.

Why choose Family Heritage Insurance through Western Heritage?

There are many advantages to having a Family Heritage supplemental insurance plan through Western Heritage.

  • Benefits are paid directly to our clients, unless a client instructs us otherwise.
  • Benefits are paid in addition to any other insurance.
  • Coverage is continuously renewable for life.
  • Premiums do not increase with age.
  • An individual client cannot be singled out for a rate increase. Rates can only be increased if they are increased for all products of the same kind within a state.
  • All Customer Service and Claims phone calls are always answered by a live person in the United States. You’ll never have to speak to an automated system.

How do I get started?

Contact the Family Heritage Insurance Customer Service Department at 440-922-5222 to be connected with a Western Heritage Representative in your area.

Our Quality Service

We strive to develop and maintain long term relationships with our clients, based upon our founding principles of service and integrity. Our clients experience this from us everyday in the form of personalized, one-on-one interactions with their Western Heritage sales professional at a level that is practically unheard of in today’s business world.

Supplemental Insurance

What is supplemental insurance?Supplemental insurance policies pay benefits directly to you to help pay for expenses not covered by major medical insurance.
Why do people need it?
You can’t predict when you are going to become ill or injured. And when it does happen, your finances are the last thing you want to have to worry about. Our plans help give you the peace of mind so that you can focus on what’s most important – getting well.