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Kipling Godwin & Associates

Serving the Self-employed, Small Business Owners, Nonprofits, Churches, Individuals & Families in North Carolina, South Carolina & Virginia

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Short Term Medical Insura
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Short Term Medical (STM) Insurance


Accidents and illnesses are impartial to your insurance status. They can happen at any time – to anyone – and may cause serious financial hardship. When life leaves you temporarily uninsured, the Secure STM plan helps protect you in the meantime. Secure STM is short-term medical insurance available for 30 to 364 days and provides coverage for unexpected medical expenses.*

  • Office visit copay included
  • Flexible coverage options
  • Fast, easy and secure online application
  • Choose any doctor or hospital
  • $2 million coverage period maximum


Perfect for . . .

  • People between jobs
  • New Employee Waiting Periods
  • College Students / New Graduates 
  • Part-time and temporary employees
  • Those unemployed or laid-off 


Click here to get a FREE quote or enroll online!  Your coverage could start as soon as tomorrow!

Important Protection

Secure STM allows you and your family to purchase high quality, affordable major medical coverage on an intermediate basis. The covered benefits include expenses for doctor services, surgery, out-patient, in-hospital care and prescription drugs.




Secure STM is available to all members of Communicating for America, Inc.* (CA) who are between the ages of 18 to 64, their spouse, and dependent children up to age 26. Each applicant must be able to qualify based on the plan’s application questions and underwriting guidelines. Child-only coverage is available for ages 2 through 18.

* CA membership requirement varies by state.


Featuring . . .

  • $2 million maximum per covered person
  • Freedom to choose an doctor or hospital
  • Choice of $500, $1,000, $2,500 and $5,000 deductibles
  • Single payment discount for 30 & 60 days of coverage
  • Accept payment by: check, money order, MasterCard, Visa, Discover or automatic monthly bank draft
  • Child only coverage 


The insurance can be effective as early as 12:01 a.m. the next day after the transmission date. However, the applicant can choose a later effective date not to exceed 60 days from transmission date. Coverage ends on termination date listed in your policy. 


Secure STM is insured by Standard Security Life Insurance Company of New York, a member of The IHC Group. Standard Security Life is rated A- (Excellent) for financial strength by A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet their obligations to their insured. (An A++ rating from A.M. Best is its highest rating.)


Click here to get a FREE quote or enroll online!  Your coverage could start as soon as tomorrow!

For More Information

If you have questions about our Secure STM or any of our insurance products, please contact us at (910) 840-6743 or email