Are you between jobs? Or perhaps a recent college graduate looking for that first job?

Chances are you're in need of a guaranteed plan for medical insurance until you become part of an employer's plan.

The Guaranteed Plan provides comprehensive insurance at a reasonable price. It's an affordable plan that gives you peace of mind knowing you won't have to worry about the cost of medical care. You select the coverage period that fits your situation. Features include:

• Eligible for renewal periods

• Billed monthly

• Pay premiums monthly, up to 12 months

• 24-hour coverage

A new kind of Guaranteed Plan for insurance that is flexible and satisfies your medical insurance needs for an extended period of time.You can pay for the coverage you need now, or pay it monthly for up to 12 months, so it's easy on your budget.

If you continue to need the guaranteed plan for medical insurance at the end of the 12 month period, you simply continue paying.

There is no medical exam or underwriting with a guaranteed plan, because insurance companies have no information other than the applicant's age and gender on which to base the premiums.

The premiums can make a guaranteed insurance plan a less desirable option. The problem of consumers paying ever increasing premiums has been addressed by the National Association of Insurance Commissioners (NAIC) has established a working group to consider what, if any, actions it should take.