Smarter Protection Built Around Your Life
Life can get expensive fast. A doctor visit, car repair, broken phone, travel issue, stolen wallet, or unexpected emergency can create stress when you are not prepared.
Unified Coverage helps individuals organize protection, track credits, manage wallet balances, and prepare for future costs through one simple platform.
One person. One wallet. One smarter way to stay protected.
Protection That Fits Real Life
You should not have to manage your protection through multiple bills, apps, due dates, and providers. Unified Coverage is designed to help individuals bring everything into one connected dashboard.
You can organize protection for:
The goal is to help you feel more prepared, more organized, and more in control.
Why Individuals Need Unified Coverage
Managing protection alone can be confusing.
Many people deal with:
Unified Coverage helps bring protection, credits, balances, and support tools into one place.
What You Can Manage
Health Protection
Track health-related needs, preventive care, wellness credits, deductibles, prescriptions, dental, vision, and care expenses.
Auto Protection
Organize auto protection, safe-driving credits, roadside support, deductible tracking, repair planning, and vehicle-related costs.
Renters Protection
Protect your living space, personal belongings, liability needs, and rental-related emergency expenses.
Travel Protection
Prepare for travel delays, baggage problems, trip cancellations, rental car needs, and emergency travel support.
Devices & Electronics
Track phones, laptops, tablets, headphones, smartwatches, gaming devices, receipts, repairs, and replacement support.
Money & Identity Protection
Organize identity protection, fraud support, document recovery, credit monitoring tools, and financial safety resources.
Emergency Support
Build and track wallet balances that may help with urgent care, repairs, deductibles, device replacement, travel issues, or surprise expenses.
Wallet & Credits
Track available credits, rewards balances, and plan for future out-of-pocket costs through the Unified Wallet.
How It Works for Individuals
Create Your Protection Profile
Start by creating your individual protection profile.
You may include:
This gives you one place to begin organizing your protection.
Create My ProfileChoose What You Want Protected
Select the protection categories that fit your life.
You may choose from:
You can start with one category and add more over time.
Explore Protection Types
Connect or Review Your Current Coverage
If you already have insurance or protection plans, Unified Coverage can help you organize them in one dashboard.
You may be able to track:
This helps you understand what you have, what you may need, and where you may be able to prepare better.
Review My CoverageTrack Credits in the Unified Wallet
Individuals may be able to earn approved credits for safe, healthy, and responsible behavior.
Credits may be earned for:
Credits are tracked inside the Unified Wallet so you can see the value you are building over time.
Explore the Unified Wallet
Use Credits Toward Eligible Costs
When eligible, credits or wallet balances may help reduce approved costs.
Credits may help with:
Credit use depends on program terms, partner approval, policy rules, eligibility, and applicable law.
See How Credits WorkThe Individual Wallet Experience
The Unified Wallet helps you track protection-related credits, balances, and support in one place.
The goal is to give you a clearer view of what support may be available when life happens.
Credit Opportunities for Individuals
Safe Driving Credits
Earn potential credits when you practice safe driving habits, avoid distracted driving, maintain a clean record, or complete approved driving programs.
Wellness Credits
Earn potential credits for preventive care, wellness activities, health screenings, dental cleanings, vision exams, and healthy habit participation.
On-Time Payment Credits
Earn potential credits for keeping your account active and making payments on time.
Bundle Credits
Earn potential credits for organizing multiple protection types in one place.
Device Profile Credits
Earn potential credits for adding devices, uploading receipts, and keeping device information updated.
Loyalty Credits
Long-term members may receive approved loyalty rewards or program credits.
Example: Individual Protection in Action
Meet Alex
Alex rents an apartment, drives to work, owns a phone and laptop, travels occasionally, and wants a better way to prepare for unexpected costs.
Before Unified Coverage, Alex had:
With Unified Coverage, Alex can:
Unified Coverage helps Alex feel more prepared and less overwhelmed.
Individual Dashboard Features
Protection Dashboard
View your protection, credits, balances, and support tools in one place.
Unified Wallet
Track credits, emergency balances, rewards, and eligible support from one wallet view.
Coverage Organizer
Organize existing policies, service plans, protection documents, and monthly costs.
Health Tracker
Track preventive care, wellness credits, dental, vision, prescriptions, and health-related costs.
Auto Tracker
Manage vehicle protection, safe-driving credits, roadside support, and deductible planning.
Device Inventory
Track phones, laptops, tablets, electronics, receipts, repairs, and replacement support.
Document Vault
Store policy details, receipts, IDs, protection records, repair documents, and important information.
Emergency Support Tracker
Prepare for urgent costs like care, repairs, travel problems, deductibles, or replacement needs.
Rewards Summary
See how you earned credits and where those credits may help reduce future costs.
Who This Page Is For
If you want a simpler way to manage protection, Unified Coverage is built to help.
Why Unified Coverage Is Different
Traditional protection can feel scattered. One company for auto. Another for health. Another for renters. Another for devices. Another for travel. Another for identity protection.
Unified Coverage brings the experience together.
Unified Coverage is not just about coverage. It is about giving you a smarter way to stay prepared.
Start with the Plan That Fits You
Unified Coverage offers flexible plans for different needs.
Starter
Basic protection organization, wallet access, credit tracking, and document storage.
Plus
Advanced wallet tools, safe-driving credits, wellness credit tracking, deductible support, and multiple protection categories.
Premium
Higher-touch support, advanced protection organization, high-value item tracking, and priority service coordination.
Individual Protection + Unified Wallet
Individual protection works best when connected to the Unified Wallet.
This gives you a clearer way to protect what matters most.
Built for Everyday Moments
Unified Coverage helps individuals prepare for the moments that happen in real life:
Unified Coverage gives you one place to organize, track, and prepare.
Get an Individual Quote
Ready to build smarter protection for your life? Unified Coverage can help you review your needs, explore protection options, track credit opportunities, and prepare your Unified Wallet.
Tell us what you want protected, what matters most, and where you need support.
Frequently Asked Questions
Is Unified Coverage insurance?
Unified Coverage is designed as a protection management platform, insurance access platform, rewards wallet, and service coordination system. Insurance products may be offered through licensed insurance carriers and licensed producers where applicable.
Can I use Unified Coverage with my current insurance?
Yes. Unified Coverage is designed to help customers organize existing coverage, track costs, identify gaps, and manage protection in one place.
Can I earn credits as an individual?
Yes. You may be able to earn approved credits for safe driving, wellness activities, preventive care, on-time payments, low claims activity, bundling protection types, and other eligible actions.
Can credits help lower my expenses?
Eligible credits may help reduce approved costs such as deductibles, care expenses, repairs, device replacement, travel support, emergency services, or future balances where allowed.
Are credits guaranteed?
No. Credits, rewards, discounts, wallet balances, and dividends depend on program terms, eligibility, partner approval, policy rules, and applicable law.
Do I need to have insurance already?
No. Unified Coverage can help people who already have coverage and people who are just getting started.
Can I start with one protection type?
Yes. You can start with one protection category, such as auto, renters, health, travel, devices, or money and identity, then add more over time.
Start Smarter Individual Protection
Your protection should be simple, clear, and built around your life. Unified Coverage helps individuals organize protection, track credits, build wallet balances, and prepare for future expenses in one connected platform.
Protect your life. Build your wallet. Stay prepared.
Important Notice: Unified Coverage is designed as a protection management platform, insurance access platform, rewards wallet, and service coordination system. Insurance products may be offered through licensed insurance carriers and licensed producers. Service protection products may be offered through approved providers. Unified Coverage does not guarantee coverage, approval, credits, rewards, discounts, dividends, repairs, medical payments, claim payments, emergency support payments, or final pricing. Credits, rewards, wallet balances, and individual-related benefits are subject to applicable laws, program terms, partner approval, policy terms, eligibility, underwriting, and regulatory requirements. Unified Coverage should not be understood as a licensed insurance carrier, health insurer, auto insurer, bank, or financial institution unless and until it receives the required regulatory approvals.