Critical Illness

Can provide additional coverage for medical emergencies like heart attack, stroke, or cancer.

What is a Critical Illness Policy?

A critical illness policy provides a lump-sum cash benefit to help cover expenses associated with a qualifying serious illness. A critical illness can come at any time. I’m sure you’ve heard your fair share of stories of friends or a family member who have been seriously affected by a serious illness. What we don’t hear about as often is the financial strain it can cause. A primary health insurance plan may cover some health care costs, but more often the patient will face other costs like everyday living expenses while out of work. That’s when a Critical Illness policy can come into play.

Advantages of a Critical Illness Policy:

  • Tax-advantaged, cash benefit
  • Flexibility to allocate money as needed
  • Simple application of questions with yes or no answers
  • Various maximum lifetime benefit amounts from $10,000 to $50,000

Yes, we’re an FMO!

A field marketing organization (FMO) is a company that supports independent insurance agents in their sales endeavors and client retention. We provide an extra level of support to agents through excellent customer service and state-of-the-art resources and tools.
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What Does Critical Illness Cover?

It can vary by plan, but most critical illness policies cover:

  • Heart attack
  • Life-threatening cancer
  • Loss of hearing
  • Loss of speech
  • Loss of vision
  • Major organ transplant
  • Paralysis
  • Coma
  • Renal failure
  • Stroke
  • And more!