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Real Benefits For Real Life™

From the small unpredictable interruptions to the big planned events, Silver Safeguard gives members even more ways to live their best lives. FIMC is here to protect families and their finances from the burdens of unexpected expenses. The Silver Safeguard plan is designed to cover expenses related to family, health and lifestyle needs.

Help for Unmet Financial Needs

Preventative Care


Get direct 24/7 phone and video access to licensed doctors to receive treatment and advice for non-emergency illnesses including cold & flu, respiratory & sinus infections, joint aches & pains, sports injuries and more.

Prescription Drug Discounts*

Save between 15% to 60% on the retail price of generic drugs and 10% to 25% on the retail price of brand name drugs at thousands of pharmacies nationwide.

Home Healthcare Device Discounts*

You have access to competitive fixed pricing from a leader in durable home health care products. Discounts between 5% and 40% off a wide variety of durable medical equipment.

Hearing Aid Discounts*

Hearing aid low price guarantee: we’ll beat any price by 5%. You have access to a 40% discount on diagnostic services, risk-free trial, one-year of cleaning & adjustments, two years of free batteries and a 3-year warranty.

Hospitalization Reimbursement

Protection from unforeseen medical bills with a $500 reimbursement for a three-night stay in a hospital for you or your spouse.

Identity Theft Protection

Identity Theft Protection**

Get 24/7 access to an identity dashboard, high-risk transaction alerts and dark web alerts. In the event of identity theft, also get 3 bureau credit monitoring and bank account opening and takeover alerts. Receive help with your losses due to identity theft with stolen funds reimbursement and $1MM identity theft insurance.

Food & Dining Discounts

Restaurant Gift Cards

Receive a $25 cash-value gift card to each month of the plan, for use that month. Includes everyday savings on popular local and national restaurants.

Wholesale Club Discounts

Get exclusive discounts at Costco and Sam’s Club.

Death of a Loved One

Funeral Services Discount

The average funeral costs $7,000-$10,000. In the event that you, your spouse or adult child passes away, the plan provides a 10% discount to funeral services with the largest national network of funeral providers.

Executor Help Service

The Executor Help Plan is designed to assist you after the loss of a loved one. This plan provides estate fraud protection services, help with forms and letters, legal services and access to grief counseling content.

Policy Inspector Service

The Policy Inspector contacts over 500 insurance companies on your behalf, locating unclaimed life and annuity policies for the lost loved one.

Accidental Death Benefit

Benefit of $10,000 in the event of your accidental death of you or your spouse.

Common Life Events

Moving Services Discounts

You get a 10% discount on moving supplies and a 60% discount on state-to-state moves with United Van Lines.

Marriage or Divorce Reimbursement††

Help for significant life events with a $500 reimbursement when you get married or divorced.

Moving and Storage Reimbursement††

$500 reimbursement for the use of professional moving services or the rental of a portable storage unit when you move from your existing home to a new permanent residence.


Travel Attractions and Experiences

Discover amazing things to do everywhere you go with preferred access to Viator. Book day trips, weekend journeys or the trip-of-a-lifetime with access to top attractions and expert recommendations to venues in the most popular destinations.

Safety. Savings.

Silver Safeguard is there when you need it. And you may need it more than you think.


Many health systems are now reporting that over 50% of primary care visits are now being performed via Telemedicine


There were more than 650,000 cases of identity theft in 2019


The average funeral costs $7,000 - $10,000


of Americans report the possibility of major illness or injury as a top financial stressor

Sources:,, Savings based on sample values. Does not assume usage of all benefits by all members.

* THIS PLAN IS NOT INSURANCE. Not available in VT or WA. Visit for additional disclosures and limitations.

** For additional information visit

Benefits are underwritten and administered by American Health and Life Insurance Company. Silver Safeguard benefits and services are administered by, or provided through, Home Benefits, LLC.

†† Triton Insurance Company will administer these benefits on behalf of its policyholder, Home Benefits, LLC.

Based on proprietary FIMC research.Coverages are subject to terms, conditions and exclusions. Some state exclusions apply. Full benefit information and limitations available at FIMC benefits and services are administered by, or provided through, Home Benefits, LLC.Not all products and services are available in all states. Please call or visit your branch to ask about availability.