Critical Illness Insurance

Pays a large lump sum of cash if you're diagnosed with a covered critical illness like cancer, heart attack, or stroke. Money goes directly to you - use it for anything.

This isn't health insurance. It's financial protection when serious illness strikes.

You're diagnosed: Cancer, heart attack, stroke, or other covered condition

File a claim: Submit medical documentation

Get paid cash: One lump sum payment, typically $10,000-$100,000

Use it for anything: Medical bills, mortgage, lost income, experimental treatments, travel for care - no restrictions

Large Cash Payout
$10,000 to $100,000 lump sum when diagnosed.

Use Money However You Need
Pay bills, keep your house, replace lost income, travel for treatment at top hospitals.

Covers Major Illnesses
Cancer, heart attack, stroke, organ failure, paralysis, and more.

Works with Your Health Insurance
Supplements your medical coverage - doesn't replace it.

Affordable Protection
$30-$150/month depending on coverage amount and age.

Most Plans Cover:
✓ Cancer (invasive)
✓ Heart attack
✓ Stroke
✓ Kidney failure
✓ Major organ transplant
✓ Paralysis
✓ Blindness
✓ Loss of hearing
✓ Loss of speech
✓ Coma
✓ Severe burns
✓ Coronary artery bypass surgery

Some Plans Also Cover:
✓ Alzheimer's disease
✓ Parkinson's disease
✓ Multiple sclerosis
✓ ALS (Lou Gehrig's disease)
✓ Benign brain tumor

Coverage varies by plan. We'll show you exactly what's covered.

Common Coverage Levels:
$10,000
$25,000
$50,000
$75,000
$100,000

Partial Benefits:
Some plans pay partial amounts for less severe conditions:
25% for early-stage cancer
25% for angioplasty
50% for single coronary artery bypass

Choose coverage that would help you survive financially during treatment.

Family history of cancer, heart disease, or stroke

Self-employed with no disability insurance

Single-income households that couldn't survive on one paycheck

High deductible health plans with large out-of-pocket costs

Anyone who wants to afford treatment at top-tier hospitals like MD Anderson or Mayo Clinic

People concerned about lost wages during treatment

Cancer Diagnosis
Diagnosed with breast cancer. Need 6 months of chemo, can't work. Critical illness pays $50,000. Use it for mortgage, groceries, experimental treatment not covered by insurance, childcare while at appointments.

Heart Attack
45-year-old has heart attack, needs bypass surgery. Health insurance covers surgery but deductible is $7,500. Lost 3 months of work. Critical illness pays $25,000 - covers deductible, lost wages, and cardiac rehab.

Stroke
Stroke causes partial paralysis, need extensive rehab. Critical illness pays $50,000 for modifications to home, specialized therapy, and replacing income during 9-month recovery.

Monthly Premium Examples:
Age 30: $30-$60/month for $50,000 coverage
Age 45: $60-$100/month for $50,000 coverage
Age 60: $100-$200/month for $50,000 coverage

Premiums depend on:
Age
Tobacco use
Coverage amount selected
Health history

Rates locked in at enrollment - won't increase with age on most plans.

Critical Illness:
Pays lump sum upon diagnosis
Covers specific illnesses only
Use money for anything
Lower premiums
No requirement to be disabled from working

Disability Insurance:
Pays monthly income if you can't work
Covers any disability (illness or injury)
Usually 60% of income
Higher premiums
Must be unable to work

Many people get both for complete protection.

Waiting Periods:
Accidents: Immediate coverage
Illness: 30-day waiting period
Cancer: 90-day waiting period typical

Survival Period:
Most plans require you survive 30 days after diagnosis to receive payment.

Recurrence:
If cancer returns, many plans pay again after 12-24 months.

Pre-Existing Conditions:
Typically 12-24 month look-back period. Conditions during this time may be excluded.

Benefits are generally tax-free if you pay premiums with after-tax dollars.

If employer pays premiums, benefits may be taxable.

Consult your tax advisor for specific situation.

"What if I never get sick?"
You're protected and have peace of mind. Some plans offer return of premium options that refund your money after 20-30 years if you don't file a claim.

"Does this replace health insurance?"
No. This supplements it. You still need major medical coverage.

"Can I get coverage if I have high blood pressure/diabetes?"
Depends on severity. Controlled conditions may be accepted. We'll check with underwriters.

"What if I'm diagnosed with something not on the list?"
Plan only pays for covered conditions. That's why reviewing the covered conditions list is critical.

"Can I increase coverage later?"
Some plans allow increases during life events (marriage, birth) without new underwriting. Otherwise, new application required.

Available year-round as standalone coverage

Can be added during health insurance enrollment

No waiting for open enrollment periods

Coverage typically starts 1st of following month

1. Get Your Quote
Call 800-835-1776 or request online
Choose coverage amount

2. Answer Health Questions
Medical history questionnaire
Some plans require exam for large amounts

3. Get Approved
Underwriting takes 1-3 weeks for most applications

4. Coverage Starts
Effective 1st of month after approval

CALL NOW: 800-835-1776
GET ONLINE QUOTE