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Critical Illness Insurance

Critical illness insurance is a type of policy that provides a lump sum benefit payment if the policyholder is diagnosed with a specified critical illness. The benefit can be used to help cover the costs of treatment, make up for lost income, or pay for other expenses related to the policyholder’s illness.

Critical illness insurance can provide financial peace of mind in the event that you are diagnosed with a critical illness. The lump sum benefit can be used to help cover the costs of treatment, make up for lost income, or pay for other expenses related to your illness. If you are concerned about how you would financially handle a critical illness, then critical illness insurance may be worth considering.

Do you know anyone who has ever had cancer, stroke, or a heart attack? Do any major critical illnesses run in your family? Have you thought about the financial impact that one of the illnesses could have? Critical Illness insurance is affordable coverage, that everyone needs!

What is Critical Illness insurance?

These policies pay a cash benefit if ever diagnosed with any of the illnesses that the policy covers.

People use this money to cover out-of-pocket costs in their medical insurance to pay a family member to help take care of them, replace lost income from being unable to work, or whatever else they like!

Things to keep in mind when it comes to disability insurance: 

  • Insurance companies don’t regulate what people spend this money on
  • Must have the coverage in place for at least 30 days before receiving the benefits
  • After 30 days if diagnosed with a condition covered in the policy, the insurance company writes a check for the benefit amount

Did you know…

  •  41% of men and 38% of women will be diagnosed with cancer at some point in their lifetime
  • heart attacks are responsible for 1 out of every 4 deaths
  • strokes are the 3rd leading cause of death in women and 5th in men.

There are many unknown costs that could arise with any of these illnesses. People pay as low as $15 per month for a program like this. Call us today for a quote.

Benefits of Critical Illness Insurance

While critical illness coverage will vary from policy to policy, the main benefits you will receive from standard critical illness coverage include the following:

  • Helps cover the costs of treatment: The lump sum benefit from a critical illness policy can be used to help cover the costs of treatment, including hospital stays, surgeries, and prescription drugs.
  • Makes up for lost income: If you are unable to work due to a critical illness, the benefits from a critical illness policy can help make up for lost income. This can give you the financial security you need to focus on your recovery.
  • Pays for other expenses: The benefits from a critical illness policy can also be used to pay for other expenses related to your illness, such as childcare, travel, and homecare.

Critical illness insurance is an important way to protect yourself and your family financially in the event of a critical illness. If you are concerned about how you would handle the costs associated with a critical illness, then critical illness insurance may be the right choice for you.

Learn More About Critical Illness Coverage

Our team can help explain the policy options available on your critical illness policy and then assist you in finding a carrier that provides a fair rate for your coverage. Call us now or click below and let’s get started on making sure you’re protected against unforeseen illness.

 

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options