Spectrum Financial
Final Expense, Life Insurance, and Discounted Medical Services
Comprehensive Solutions for all of your Life Insurance & Discounted Medical Service needs.
Final Expense, Term Life, & Whole Life Insurance
-Multiple Carriers:
--Ethos
--TransAmerica
--Mutual of Omaha
--Aetna
--Americo
--Securico
--Foresters
--Liberty Bankers
--AFLAC
--Many Others**Program Features:
-Simplified Underwriting
-Immediate Approvals
-Aggressive Rates
-Personalized Service
-Licensed in Multiple states
-Underwritten & Guaranteed options **
Life Insurance Made Simple!
Life Insurance should not be confusing! Our partnership with Ethos makes getting your coverage simple & FAST.
Click below to get a quick, comprehensive, no obligation quote from the multiple options provided.
-Ethos Offers:
--High (95%+) approval Rate
--Limited, and in many cases no Underwriting
--Very Competitive RatesIf you find that none of the Ethos products meet your coverage needs, contact us, we have additional carriers, products and options to offer.
Careington Savings Plans:
Discounts on dental, vision and more!
3 simple steps to your savings plan
Once you have joined the plan and received your membership kit, simply follow these directions and start using your membership card immediately! Some discounts will have specific directions on how to use. Please review your membership kit for details.Step 1
Keep your membership card with you at all times to easily present it at provider locations. You must present your membership card at the time of service to receive a discount. If you lose your membership card, log in to the MEMBER PORTAL to request a new membership card, view your plan information, find a provider and more.Step 2
To locate and verify participating providers in your area, simply call Member Services at (800) 290-0523 or use the PROVIDER SEARCH tool. When calling to schedule an appointment, please refer to your membership card for proper network identification.Step 3
You are responsible for paying the provider the entire discounted fee at the time the service is provided.If you have any questions about how to use your discount plan, call our Member Services Department toll-free (800) 290-0523 any time between 7 a.m. and 7 p.m. CT Monday - Friday, for prompt and friendly assistance..TELEHEALTH ACCESS AS EASY AS 1-2-3!** Step 1
Visit:member.dialcare.com/membereligibility or call (855) 335-2255 to create and register your account.Step 2
Fill out your medical history. Any dependents over 18 will have their own medical profile and be required to fill out their own medical history. Your medical history is required before you can consult with a doctor.Step 3
Request a phone or video session either online, over the phone or through the mobile app.**
get a quick quote on life insurance!
[email protected] - or - (832) 245-5343
we are here to help!
Spectrum Financial Services is your one stop shop for all of your Life insurance needs as well as the best discount medical program, Careington.We have aligned ourselves with the absolute best partners in the industry, offer exceptional personalized service, and offer the most competitive rates and pricing.Consultations and quotations are always FREE. We are here to answer your questions, provide our insights and experience, and partner with you for the long term.We look forward to hearing from you and helping you meet your needs and goals.Spectrum Financial Services