36 Months of Short-Term Medical — Only From Allstate Health Solutions
The Market’s Longest Short-Term Medical Coverage Backed by a Trusted Brand
Allstate Health Solutions is breaking new ground with short-term medical coverage lasting up to 36 months — a market-exclusive feature agents can leverage to win more business.
Combined with fixed-benefit plans, Allstate offers year-round enrollment opportunities and level commissions to help you grow your book of business.
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Why Agents Love Selling It
Exclusive Short-Term Medical Advantage – Allstate is the only carrier offering short-term medical coverage for up to 36 months, making it a standout in the market.
Trusted Brand Recognition – Sell under one of the most recognized and respected names in insurance.
Year-Round Sales Opportunities – Short-term medical and fixed-benefit plans mean you’re not limited by Open Enrollment.
Level Commissions for the Long Haul – Get paid the same rate every year a client stays on the plan.
Broad Market Appeal – Perfect for clients who:
Make too much for ACA subsidies
Need affordable coverage between jobs or before Medicare
Are looking for supplemental coverage to fill high-deductible gaps
Simple Sales Process – Clear benefit amounts, no guessing what’s covered.
First Health Network Access – Nationwide provider network plus optional Recuro Health virtual care.
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What Makes Allstate Unique
Exclusive 36-Month Short-Term Medical Coverage
Allstate is the only carrier giving clients short-term medical protection for up to 36 months — a true differentiator in today’s market.Fixed-Benefit Medical Plans
Pays predetermined amounts for covered services regardless of provider charges — giving clients flexibility to choose any doctor or hospital in-network or out-of-network.Plan Options for Every Need
Metal Gap – Fills gaps for clients with high-deductible ACA or employer plans.
Core & Plus – Affordable base coverage for everyday and unexpected care.
Guaranteed Issue – No health questions on select plans, making enrollment fast and frictionless.
Strong Ancillary Add-Ons
Recuro Health – 24/7 telemedicine and virtual primary care
Prescription Benefits – Access to discounted medications nationwide
Easy Enrollment
Digital applications make onboarding clients quick and paperless.Compliance-Friendly
Plans offered through LIFE Association membership, underwritten by National Health Insurance Company and others — backed by Allstate Health Solutions marketing support.
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Commissions That Reward You for the Long Term
Selling Allstate Health Solutions means building a steady income stream you can count on:
Level Commission Structure – Earn the same percentage year after year, no drop-off in renewals.
Competitive First-Year Rates – Strong payouts from day one.
No Seasonal Income Slumps – Because you can sell year-round, your pipeline never goes cold.
Book Growth Compounds Over Time – Each renewal adds to your base, creating predictable residual income.
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Agent FAQ: What You Need to Know to Sell This Confidently
Who is eligible for this plan?
Enrollment is open to AFEUSA members ages 18–64. Coverage ends at age 75, with a 50% benefit reduction starting at age 67.
What illnesses are covered?
Individuals and families without ACA subsidies, gig workers, early retirees, small business owners, and anyone needing gap coverage.
What network does it use?
As a lump sum directly to the insured, to use for any purpose—medical costs, household bills, travel for treatment, or recovery needs.
Can I sell it year-round?
Yes. There’s a 30-day waiting period for most illnesses and 90 days for cancer.
How are commissions paid?
Level commissions — you earn the same rate every year your client renews.
Is underwriting required?
Some plans require health questions; others, like Guaranteed Issue options, do not.
How long can short-term medical coverage last?
With Allstate, clients can enroll in short-term medical coverage for up to 36 months — the longest duration available from any carrier.
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Before you go... Are you prepared?
We’re entering the most disruptive chapter of health insurance since the ACA. This is your window to grow — is your strategy solid? Talk with a success rep today!