Critical Illness Insurance

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A critical illness insurance  policy that pays a lump sum benefit directly to you upon the first diagnosis of a critical illness including:


• Major Organ Transplant
• Heart Attack
• Total Loss of Eyesight
• Stroke
• Total Loss of Hearing
• End Stage Renal Failure

What is your risk?

The statistics are clear: people are living longer, and as they do, they are more likely to experience a critical illness. According to the American Heart Association*:

• About 85.6 million Americans are living with some form of cardiovascular disease or the aftereffects of stroke.
• Direct and indirect costs of cardiovascular diseases and stroke total more than $320.1 billion.
• Heart disease strikes someone in the U.S. every 43 seconds.
• Someone in the U.S. has a stroke about once every 40 seconds.


How Much Cash Can I Receive ?

The cash payments which can range from $10,000 to as much as $1 million. They are paid as a single, lump sum payment as soon as the individual is diagnosed with a covered condition.

Some policies will actually provide multiple cash payments. Say you have cancer and survive; you get a cash payment. Three years later, you have a heart attack; another payment. But this varies from insurer to insurer, so be sure to ask if it applies.

Why Would I Need Critical Illness Insurance Benefits ?

Cash to pay for medical treatments not covered by your health plan.
Cash to pay your mortgage while you are recovering.
Cash to pay bills – from car payments to insurance premiums.
Cash so you can travel for treatments not available locally.
Cash to pay for experimental treatments (not covered).
Cash to replace a spouse’s income while caring for the insured.

We think you’ll find a way to put the cash to good use.


Contact us to learn more about the right critical illness coverage for you.