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Perhaps you have heard of critical illness insurance, but you aren't sure what it really does. Certain critical illness insurance plans are designed to pay a lump sum to the insured at the first ever diagnosis of specified covered illnesses or procedures.
Generally guaranteed renewable for life, critical illness insurance protection is usually available for individuals up to 64 years of age.
Request a Critical Illness Insurance Quote
Why would you consider purchasing critical illness insurance for you and your family?
Chances are...You know someone who has had a heart attack, a stroke, or been diagnosed with cancer in the last six months. Maybe it's your brother-in-law or your neighbor - a co-worker or a golf partner. You may have heard about their medical bills, missed work and out-of-pocket expenses.
Chances are...You don’t think it will happen to you. We all like to think that we are immune to a serious illness - but we're not.
Chances are... If a serious illness strikes, you probably will live. That’s the good news! But, few of us are prepared for the financial burden of recovery. Health insurance doesn’t come close to covering all of your expenses. How would you replace your lost wages or your spouse's while helping to care for you? Where would the money come from for home and car payments, deductibles, treatments outside of your health network or home health care? What if you couldn’t return to your present job and salary?
If you add your usual monthly bills and then subtract lost income while you recuperate - it might equal a financial disaster at an already stressful time. This is where critical illness insurance comes into play.
Possible Uses For Your Critical Illness Insurance Lump Sum Benefit
- Your mortgage, auto loan, or credit card payments
- Replace your lost wages and your spouse’s while caring for you
- Your medical costs – deductibles, prescriptions, second opinions, out-of-network expenses, experimental treatments
- Your rehabilitation, training, or education for a new occupation
- Expenses for travel/lodging while seeking medical treatment outside of your community
- Expenses for child care, nursing care
- A relaxing vacation while you recuperate
One of the top companies for critical illness insurance is Assurity Life Insurance Company.They offer $5,000 to $50,000 of coverage with No Medical Exam.
Download a Simplified Issue Brochure
Assurity also offers $50,000 to $500,000 of coverage with full underwriting including an exam.
Download a Fully Underwritten Brochure
Request a Critical Illness Insurance Quote
Rates, benefits and policy provisions may vary by state and are subject to state approval. This is an abbreviated explanation of policy qualifications, limitations, and exclusions. Please consult the policy contract for more detailed information. Critical illness insurance is not a substitute for health insurance. This policy may not be appropriate for Medicaid recipients. Product feature and availability may vary by state.
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Your request
will be processed and/or referred to a licensed agent in your state.
Licensed to sell critical illness insurance in:
Ohio License #104233, California License #0C94325, Florida License #D072714
Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin |
