Millions of Americans are financially vulnerable to limitations in their insurance coverage, while millions more lack any coverage whatsoever. Lifetime spending limits, which cap health benefits paid out over a person's lifetime, and the lack of affordable disability coverage, can literally bankrupt a family or small business in the aftermath of a major medical event.

Despite the widespread need for such protection, traditional, broker-based insurance channels have ignored supplemental health and disability products because of their low commission yields. Consequently, families and small businesses have been unable to purchase the coverage they need to ensure their long-term well being.

By leveraging the operating efficiencies of the Internet, and partnering with top-rated insurance underwriters, HealthExtras emerged as a first mover in providing affordable health and disability protection directly to individuals. With actor and advocate Christopher Reeve as a focal point of its marketing efforts, HealthExtras is uniquely positioned to become a market leader in Internet-influenced insurance sales, which are projected to grow to $11 billion by 2003. (1)

(1) Forrester Research