Critical Illness Insurance

Critical illness insurance is medical insurance that pays a lump-sum benefit upon diagnosis of a critical illness or condition. A critical illness insurance payout helps you avoid the financial strain a major illness can create so you can focus on your recovery. It gives you the freedom to:

Get the treatment you want
Spend time with your family and friends
Keep your home and other assets

Determine Your Need

Traditional health insurance is valuable, but often limiting. Because medical treatment is more advanced than ever, it's also more expensive. People today often experience financial hardship because of the medical expenses their health and disability insurance don't cover. Critical illness insurance could be a strong supplement to other health insurance. Determine if you need critical illness by learning what it pays for that other plans don't.

Who needs critical illness insurance?

It's difficult to predict if and when you will suffer a critical illness, however, if you relate to one of the following descriptions, you should consider critical illness insurance:

Your high income precludes you from purchasing enough disability to meet your needs
Your high-risk profession prevents qualification for traditional disability coverage
You have a high medical deductible
You don't have health insurance
You're a parent
You're self-employed
You're a homemaker

How does critical illness insurance work?

You decide how much coverage you need at a premium within your budget. Upon diagnosis with a covered illness or condition, you receive a check for the amount of coverage you purchased.

Critical Illness Insurance Covered

Illnesses and Conditions

Critical Illness Insurance pays 100% of your maximum benefit amount for these illnesses and conditions:

What do I use the lump-sum benefit for?

You can make payments on your mortgage and medical bills, hire help for around the house, pay for day care or elder care, travel to treatments. You decide.

Because our critical illness insurance pays you a cash benefit upon diagnosis of a covered critical illness or condition, you choose how to spend it:

Do you need critical illness insurance if you have other types of insurance?

Medical treatment is more advanced than ever, but it's also more expensive. People today often experience financial hardship because of the expenses their health and disability insurance don't cover. Any questions? Call us or fill out the simple form below and an agent will contact you within 24 hours: