Critical Illness Insurance

Life happens....are you prepared?


Sometimes we are surprised by what happens in life.  One of the most important assets we have is our health and our ability to earn a living.  If that ability is taken away, what would happen?

 FACT:  Every 40 seconds someone in the United States has a stroke, the leading cause of death and a leading cause of serious long-term disability.


FACT:  Every 30 seconds a new cancer is diagnosed in the United States and more than half of Americans diagnosed with cancer survive for at least 5 years.


FACT:  Every 26 seconds someone in the United States suffers a heart attack.  Each year in the United States more than 1 Million people who suffer a heart attack survive for at least 12 months; ages 35-54 survive at least 5 years. 


Cash Benefits

Critical Illness policies pay a lumg sum payment upon first diagnosis of a covered chronic or critical illness such as:

  • Heart Attack
  • Stroke
  • Invasive Cancer
  • End-Stage Renal (Kidney) Failue
  • Lou Gehrig's Disease (ALS)
  • Major organ transplant
  • Total Paralysis
  • Coma
  • Advanced Alzheimer's Disease

The cash benefit can help pay for out of pocket medical expenses like deductibles and coinsurance, experimental research treatments, expensive drugs, transportation and lodging expenses, physical theraphy, home modifications, family caregiver expenses and lost wages not paid for by major medical insurance or Medicare.

Policy Solutions:

  • Critical Illness policy.
  • Term or Universal Life insurance with Accelerated Living Benefit Riders.
  • Disability Income policy with a Critical Illness benefit rider.