America's Supplemental Insurance Broker
Insurance That Pays You Cash When You Get Hurt
Most working people — families, freelancers, and gig workers alike — are one injury away from financial trouble. Even with health insurance and a high deductible, you still have to pay rent, mortgage, groceries, and bills while you recover.
Our supplemental plans pay you cash directly — fast — so you can keep your life moving when you get hurt on or off the job.
(414) 300-8333 — Call or Text Anytime
Licensed in All 50 States · America’s Supplemental Broker · Multiple Carriers
About Your Broker
America's Supplemental Insurance Broker
Chris Martin, NPN #7335986, is America's Supplemental Insurance Broker — licensed across all 50 states. Chris has helped thousands of individuals, families, freelancers, and self-employed professionals — as well as small business owners — explore supplemental insurance solutions. As an independent broker, Chris is not tied to a single insurance company — he evaluates available options from multiple carriers to help consumers identify plans that may fit their needs and budget.
Licensed Insurance Broker
Nationwide Coverage — All 50 States
Independent Broker — Not Captive
Multiple Carrier Options
Thousands of Clients Assisted
Millions in Premiums Placed
Chris Martin
Independent Insurance Broker
NPN #7335986 · Licensed All 50 States
Education
What We Offer
We specialize in four core areas of supplemental insurance — plans that pay cash benefits directly to you after covered events, independent of what your primary health insurance pays. Whether you need protection from accidents, a serious diagnosis, income loss, or want to protect your family's future, we can help you find the right fit.
Medical Bills & Deductibles
Help cover out-of-pocket costs your primary insurance may not fully pay — ER visits, hospital stays, and treatment.
Household & Living Expenses
Use disability or cash benefits toward rent, mortgage, utilities, and daily living costs while you recover.
Lost Income & Family Protection
Replace lost wages with disability income coverage and protect your family's financial future with life insurance.
Benefits vary by policy and carrier. Consumers should carefully review policy documents before making purchasing decisions.
Why It Matters
Why More Americans Are Exploring Supplemental Insurance
High Deductibles
Many health plans leave consumers responsible for thousands of dollars before coverage begins.
Self-Employed & Gig Worker Protection
Freelancers, contractors, and gig drivers often go without employer benefits like paid sick leave or disability coverage.
Direct Cash Benefits
Many plans pay benefits directly to the insured after covered events — no restrictions on use.
Budget Friendly Options
Some supplemental plans may cost significantly less than major medical insurance.
Coverage
Explore Coverage Options
Independent guidance across a wide range of supplemental insurance plan types.
Accident / Injury Insurance
Cash benefits paid directly to you after covered accidental injuries — ER visits, fractures, dislocations, ambulance, and hospitalization.
Hospital Indemnity / Cancer & Critical Illness
Fixed daily hospital benefits plus lump-sum cash on a covered cancer diagnosis or critical illness such as heart attack or stroke.
Life Insurance & Living Benefits
Death benefit protection for your family — plus living benefit riders that can pay out while you're still alive after a qualifying diagnosis.
Disability Income Insurance
Replace a portion of your income if an injury or illness prevents you from working — short-term and long-term options available.
Resources
Insurance Learning Center
Plain-language guides to help you understand your options before you buy.
Accident Insurance
5 Ways Accident Insurance Can Cover What Health Insurance Misses
Hospital Indemnity
How Hospital Indemnity Plans Pay You — Not Your Doctor
Cancer Insurance
What Happens Financially After a Cancer Diagnosis?
Critical Illness
Heart Attack, Stroke & Critical Illness: Why a Lump-Sum Benefit Matters
Life Insurance
Term vs. Permanent Life Insurance: Which Is Right for You?
Living Benefits
What Are Living Benefits on a Life Insurance Policy?
Disability Income
What Self-Employed Workers Need To Know About Disability Coverage
Buying Guide
Questions To Ask Before Buying Any Supplemental Insurance Plan
Your Advocate, Not A Captive Agent
Unlike agents who represent only one company, independent brokers can evaluate multiple carriers and plan options. The goal is to help consumers compare available solutions and make informed decisions — without pressure or obligation.
As your independent advocate, Chris Martin works for you — not for any single insurance company.
Benefits of Working With an Independent Broker
Multiple carrier access — compare options side by side
Personalized recommendations based on your situation
Ongoing service and support after enrollment
No obligation consultations — zero pressure
Educational guidance to help you make informed decisions
Free Resource
Free Consumer Guide
The Self-Employed Protection Guide
How supplemental plans work in plain language
Common coverage gaps and how to address them
Ways to reduce financial risk after an accident
Questions to ask before enrolling in any plan
By submitting this form, you consent to be contacted by a licensed insurance broker. Submitting information does not guarantee coverage or enrollment.
Prefer to talk? Speak to an agent now:
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Client Experiences
What Clients Say
"Working with an independent broker made a real difference. I was able to compare multiple options and find a plan that fit my budget as a self-employed contractor."
J.M.
Texas
"After an unexpected hospital stay, I was grateful I had supplemental coverage. The cash benefit helped cover expenses my primary insurance did not fully address."
R.K.
Florida
"The consultation was informative and there was no pressure. I came away with a much better understanding of my options and what supplemental coverage could do for my family."
S.L.
Ohio
Testimonials shown are individual experiences and are not guarantees of future results. Individual results may vary.
Speak to an Agent Now
Free consultation · No pressure · All 50 states
FAQ
Frequently Asked Questions
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We specialize in four core areas of supplemental insurance: Accident & Injury Insurance, Hospital Indemnity / Cancer & Critical Illness, Life Insurance & Living Benefits, and Disability Income Insurance. As an independent broker, Chris evaluates options from multiple carriers to find plans that may fit your needs and budget.
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Accident insurance pays cash benefits directly to you after covered accidental injuries — including emergency room visits, fractures, dislocations, ambulance transport, and hospitalization. Benefits are paid regardless of what your health insurance pays and can be used for any expense.
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Hospital indemnity plans pay a fixed daily cash benefit for each day you are hospitalized. Cancer insurance pays benefits upon a covered cancer diagnosis and during treatment. Critical illness insurance pays a lump-sum benefit upon diagnosis of a covered condition such as heart attack or stroke. All three pay directly to you.
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Living benefits are riders attached to a life insurance policy that allow you to access a portion of your death benefit while you are still alive — typically upon diagnosis of a terminal, chronic, or critical illness. This can provide financial relief during a serious health event without waiting for a death claim.
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Anyone whose income depends on their ability to work should consider disability income coverage — especially self-employed workers, gig workers, independent contractors, and anyone without employer-sponsored disability benefits. These plans replace a portion of your income if an injury or illness prevents you from working.
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Many supplemental plans do not require you to have existing health insurance to enroll. However, eligibility requirements vary by carrier and plan type. An independent broker can help you identify plans available to you based on your situation.
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Premiums vary based on plan type, coverage level, age, health status, and state of residence. Some supplemental plans may cost significantly less than major medical insurance. Request a free consultation for personalized pricing information.
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As an independent broker, Chris Martin evaluates multiple carriers and plan options on your behalf. A no-obligation consultation helps you understand what is available, what it covers, and what it costs — so you can make an informed decision.
Get Started
Speak With A Licensed Broker
Ready to explore your options? Request a free, no-obligation consultation with Chris Martin — an independent broker who works for you, not for any single insurance company.
Chris Martin
NPN #7335986 · Independent Insurance Broker
Licensed Nationwide · All 50 States
Call Now: (414) 300-8333 · Email: InjuryPlans@gmail.com · Mon – Fri, 8am – 6pm CT
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Important Disclosures
InjuryPlans.com is an insurance education and marketing website. Coverage availability, benefits, exclusions, limitations, and premiums vary by carrier, state, underwriting requirements, and individual circumstances. Not all plans are available in all states.
Information provided on this website is for educational purposes only and should not be considered legal, tax, financial, or insurance advice. Submitting information through this website does not guarantee coverage, enrollment, or eligibility. Insurance products are offered through properly licensed insurance agents and agencies where required by law.
Benefits are subject to policy terms, conditions, exclusions, and limitations. Consumers should carefully review policy documents before making purchasing decisions. Past performance, client experiences, and testimonials do not guarantee future results.
This website is not affiliated with or endorsed by Medicare, Medicaid, Healthcare.gov, the Federal Marketplace, or any federal or state government agency. For ACA Marketplace coverage information, consumers may visit Healthcare.gov.
Chris Martin | NPN #7335986 | Independent Insurance Broker | Licensed in all 50 states where permitted by law. Carrier appointments, licensing status, and product availability may vary by state. Equal Opportunity Provider.