Critical Illness Insurance
Protect yourself and be ready if the unknown becomes a reality.
What is Critical Illness Insurance?
Modern medicine saves lives. Thanks to early detection and better treatment for cancer, heart attacks, strokes, and other serious illnesses, more people are living longer than ever before. But getting sick can still be expensive – especially if you need time to recover in a Nursing Home or Assisted Living Facility. And it’s likely to happen – about 75 percent of healthy people over 40 will face a serious illness. To help protect your finances, think about getting Critical Illness Insurance.
Many people feel safe knowing they have regular health insurance, but the costs of a serious illness can go far beyond copays and deductibles. For many, these costs are just too much. In fact, nearly two-thirds of all bankruptcies in the U.S. happen because of high medical bills – and 79 percent of those who filed for bankruptcy still had health insurance when they got sick and started treatment.
Critical Illness policies cover major health conditions, including:
- Cancer
- Cancer-In-Situ
- Heart Attack
- Coronary Artery Bypass Surgery
- Stroke
- Alzheimer’s Disease
- Kidney Failure
- Major Organ Transplant
- Paralysis
- Coma
Cash Benefits can be used to pay for:
- Loss of income
- Medical Co-payments
- Rehabilitation expenses
- Alternative treatment options
- Out-of-network charges on PPO
- Travel Costs
- Lodging
- Lifestyle changes
- Recuperative Vacation
- Mortgage loans & debt payments
- Child-care expenses
- School expenses
- Home modifications
A Critical Illness Insurance policy pays you cash when you’re diagnosed with a major health condition listed in your policy. There are no rules on how you use the money. You can spend it however you want, like paying for costs that come with a serious illness and recovery.
Click Here for a brochure about Critical Illness Insurance Coverage
Call 1-800-842-7799 to speak with an advisor.
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We offer various insurance products to help you with your insurance needs.
Looking for more info? Check out the answers below!
Even if you feel fine today, illness can strike without warning. Getting coverage now can protect your future and lock in lower premiums.
No. While risks increase with age, younger people can still face serious health issues. Getting a policy early often means lower costs and better protection.
Critical illness insurance gives you cash, not just coverage for hospital bills. That means you choose how to spend it – on whatever matters most to you.
The cash benefit can help you keep up with bills, avoid dipping into savings, and stay on track with things like rent, childcare, or even taking time off work.
No. You can use the money however you need to – whether it’s to pay for travel, help with home care, or just give yourself breathing room during recovery.
Yes. Knowing you have a plan in place can reduce stress during hard times and help you focus on healing – not bills.