Family Heritage Insurance

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 Northern Stars Financial 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 for families.

Not all products are available in all states, and where available, benefits will vary. Please contact a

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