Critical Illness Insurance

Crisis recovery: protection when you need it most

Thanks to medical advances, more Americans than ever survive cancer, heart attacks, strokes and kidney failure. That's wonderful news — but recovery often brings an overwhelming financial burden on top of the emotional strain. Your financial security is most at risk the moment a doctor delivers a serious diagnosis.

Critical illness insurance is designed to ease that pressure with a lump-sum cash benefit paid directly to you when you're diagnosed with a covered condition. It works alongside your health insurance, not in place of it.

Use your benefit any way you wish

• Deductibles, copays, prescriptions and out-of-network or experimental treatment
• Non-medical expenses resulting from your condition
• Extended recovery and rehabilitation services
• Mortgage, rent, car loans and credit card payments
• Home or vehicle modifications for special needs
• Child care or nursing care
• Your lost income — and your spouse's, while they care for you

Commonly covered conditions

Covered conditions vary by carrier and state. Plans we offer commonly include:

• Cancer (internal) and non-invasive carcinoma in situ
• Heart attack and stroke
• Coronary artery bypass surgery and angioplasty
• Pacemaker implant
• End-stage renal failure
• Organ transplant (kidney, heart, lung, liver, pancreas)

Policies define each condition precisely and typically exclude pre-malignant conditions, certain early-stage cancers and skin cancer. We'll walk you through the exact definitions before you apply.

Guaranteed renewable, affordable pricing

Many critical illness policies are guaranteed renewable to a stated age with timely premium payments. Some use attained-age pricing, which keeps premiums lower when you buy and increases them gradually each year — often a better fit for younger families whose income will grow. Depending on your age, this approach can cost noticeably less over the first decade than issue-age pricing.