Cancer & Critical Illness Insurance

A powerful shield against the unexpected, ensuring your loved ones are protected when it matters most

Critical Illness
Critical Illness

The Elephant in the Room

It’s hard not to notice the dramatic increase in heart attack, stroke and cancer in recent years. With the cost of care also skyrocketing, it’s easy to understand why this is a difficult topic to think about and plan for.

The good news is it’s never been easier to buy critical illness insurance, and it’s remarkably affordable for the peace of mind if gives.

For a low price you be confident that should the worst happen, your family will have the financial resources needed to focus on the things that count.

We strongly feel that no health insurance plan is complete without supplemental critical illness coverage. Most people will experience cancer/heart attack/stroke in their lifetime and nobody is ever prepared!

Want to Learn More About Your Supplemental Insurance Options?

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What are My Coverage Options?

1,) Insurance for a specified list of Critical Illnesses (also known as Specified Disease Plan) – list can include cancer, heart attack, stroke, organ transplant, heart surgeries, ALS, renal failure, and other life threatening diseases.

2.) Heart Attack & Stroke coverage only

3.) Cancer coverage only

4.) Cancer & Heart Attack/Stroke coverage (without the additional critical illnesses)

What are My Payout Options?

1.) Lump Sum Payout

Pays out a lump sum to the insured in the event of a covered illness. Payouts can be as little as $10k and up to $100,000 or more.

If you have a deductible with your health insurance, a critical illness policy can provide security knowing your deductible would be covered in the event of a serious illness.

Even with other insurance, the lump sum of cash from a critical illness policy can replace lost wages if the insured is too sick to work. Since illness is the number one cause of foreclosure (not unemployment), having extra money available during medical emergencies only makes sense.

This is the most versatile way to purchase critical illness, cancer, or heart attack/stroke insurance since you are free to use the cash however you want! You can pay medical cost, mortgage bills, or take a vacation, and lump sum payouts are usually tax free.

2.) Medical Cost Payout

Makes payments to the doctor or hospital for medical costs associated with a covered illness.

Policy amounts can be up to $2 million, meaning the policy will pay for any healthcare costs for covered illnesses up to $2 million. That’s a LOT of coverage, but it’s very important to notice the difference: the insured doesn’t receive a check!

This type of payout is usually not advised for someone with major medical / ACA since they’re already protected against high medical cost with the out-of-pocket-maximum.

This payout structure is ideal for people with fixed-indemnity and similar policies. When bundled effectively, a fixed-indemnity policy will provide immediate benefits for everyday healthcare while the critical illness policy is there to protect against the bigger threats.