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 Fenix Financial representative for complete details.

Why choose Family Heritage Insurance through Fenix Financial?

• There are many advantages to having a Family Heritage supplemental insurance plan through Fenix Financial.
• 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.

What Our Customers Are Saying

When we signed up with Family Heritage I was looking at this monthly payment as a type of savings account we would get back at age 65. I really didn’t think that I would get cancer. After all, I go to the doctor annually for checkups. Then, I was diagnosed with Stage III Breast Cancer, I had no idea what I was facing. After several surgeries, numerous doctor visits and trips to Corpus Christi for lab work, chemo treatments and weeks of daily radiation, thankfully I have been told that I am in remission. I still have 5 years of doctor visits, lab work and chemo medication, but it is nothing compared to what I have been through.

With the cost of gasoline over $3.00 a gallon, eating out on all those trips and health insurance co-pays, we were dwindling what money we were saving for our retirement. I even applied with several organizations just for gas money. I was denied by all. I cannot tell you how fortunate enough we were to have Family Heritage Insurance. They saved us from a lot of our financial worries.

I can still remember thinking that I would never get cancer. Not so anymore. After meeting all the patients, it has shown me that it can happen to anyone.
– Cecilia A.

When I invested in the Family Heritage Cancer Plan 20 years ago I hoped I would never have to use it. Unfortunately, I had been diagnosed with cancer. I am very thankful for the courteous and quick response to my claim with payment to cover out-of-pocket medical expenses. It has given me financial relief and some peace of mind during this difficult time in my life.
– Rebecca G.

Having had cancer twice Family Heritage was a Godsend for us. The checks come directly to us and very timely. The money has helped so, at a real tough time to keep our heads above water. It’s so important to be covered for these things – believe me it can happen to anyone.
– Larry J.

We were very pleased with Family Heritage when my husband was diagnosed with skin cancer. When I called about filing our claim, they were so helpful and kind. The length of time was extremely short once they received the paperwork they needed. I would recommend them to everyone. Thank you Family Heritage for being there when we needed you!
– Vanessa L.

I want to say that I was thankful that we had Family Heritage Accident Policy when we received $2,100. This is paid prompt. We will keep this policy. Thank you for being there when we needed this coverage.
– Leotha D.

We signed up for cancer insurance thinking we would never need it but 6 months later I was diagnosed with breast cancer. Family Heritage has been a God send, payments are made promptly and customer service is outstanding! Without these supplemental checks, we would be in financial disaster. God does work in mysterious ways!
– Patricia S.

We were surprised and somewhat shocked when our representative came to our door and handed us our Return of Premium check for the amount of premiums we have paid in over the years. It really did happen!
– Terry J.