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Critical Illness Insurance

Critical Illness insurance is a flexible, invaluable coverage to add to your insurance portfolio. It can help pay for out-of-pocket expenses that health/disability insurance won't, from cancer and heart attacks to Alzheimer's Disease and paralysis. Plus, with different coverage amounts and terms, it's more affordable than you think.

Do I need Critical Illness Insurance?

Depending on your age and circumstances, a critical illness policy could be right for you. Healthcare premiums, deductibles, and treatment costs are all increasing, which means there's a greater chance for unforeseen out-of-pocket expenses that won't be covered. This gap between what's covered by your existing insurance and what's not could be filled by a critical illness policy. If you are diagnosed with a covered illness, a check is sent directly to you, not the healthcare provider. This means you can use it to pay for expenses that aren't covered. Plus, no receipts or medical bills are necessary.

If you are diagnosed with a serious health condition covered by a critical illness policy, here are some costs to consider that aren't typically covered by health/disability insurance:

  • Lost income while you or a family member is not working
  • Keeping up with ongoing living expenses
  • Paying deductibles and copayments
  • Hiring home healthcare or child care services
  • Traveling to treatment facilities

Luckily, with a critical illness policy, these costs could be covered.

What's covered under a Critical Illness policy?

Covered conditions depend on the type of policy you purchase, as well as the riders added, if applicable. Generally speaking, though, here is a list of covered conditions:

100% Covered

  • Internal cancer or malignant melanoma
  • Heart attack
  • Stroke
  • Alzheimer's Disease
  • Major organ transplant
  • Blindness
  • Paralysis
  • Deafness
  • Kidney failure

25% Covered

  • Coronary artery bypass surgery
  • Coronary angioplasty surgery

Coverage Options

With three different core coverages and several optional riders, you can customize your policy to meet your needs. Plus, these policies offer flexible benefits and options such as:

  • Coverage options: Lifetime or Term (10, 15, 20, or 30 years)
  • Coverage amounts: $10,000 - $100,000
  • Simplified or Express underwriting

Critical Illness Insurance

For individuals looking for the most comprehensive coverage, a Critical Illness policy may provide some peace of mind and coverage for a variety of diagnoses.

Cancer Insurance

Nearly 1 in 3 men and women will develop cancer during their lifetime. A Cancer Insurance policy is specifically tailored to help you cover costs in the event you are diagnosed with a covered type of cancer.

Heart Attack/Stroke Insurance

Approximately every 40 seconds, an American will have a heart attack. A Heart Attack/Stroke policy helps to cover the costs related to these conditions, protecting your financial wellbeing.

Ready to get a quote?

Find an affordable Critical Illness policy that fits your needs.