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Critical Illness
Financial Protection When Health
Takes a Turn
A serious diagnosis brings costs your health plan never touches. Critical illness coverage pays you a lump-sum cash benefit — subject to policy terms and applicable tax treatment — so you can focus on getting well instead of the bills.
The gap health
insurance leaves behind
Even with good health insurance, a heart attack, stroke or cancer diagnosis brings deductibles, coinsurance, travel to specialists, and weeks or months of lost income.
Critical illness insurance pays the benefit directly to you, in cash, when a covered diagnosis is confirmed. You decide what it's used for — treatment, the mortgage, groceries, or help around the house.
Premiums are usually far lower than people expect, especially when added while you're healthy. We'll show you exactly what it costs alongside your other coverage.
Typically covered conditions
- Heart attack and stroke
- Invasive cancer diagnosis
- Major organ transplant
- End-stage kidney failure
- Coronary artery bypass surgery
Worth considering if you
- Have a high-deductible health plan
- Would feel a few months without income
- Have a family history of heart disease or cancer
- Are self-employed with no sick leave
- Want to protect your savings and retirement accounts
Questions
Common Questions
How is critical illness insurance different from health insurance?
Health insurance pays your providers for treatment. Critical illness insurance pays you a lump sum in cash that you can spend on anything — deductibles, travel, childcare, or the mortgage while you recover.
Which conditions are typically covered?
Most plans cover heart attack, stroke, cancer, major organ transplant, kidney failure and similar diagnoses. Covered conditions vary by carrier, so we compare the definitions carefully.
How is the benefit paid?
As asubject to policy terms and applicable tax treatment after a covered diagnosis is confirmed, usually within days of the claim being approved. There are no restrictions on how you use it.
Can I add it to a life insurance policy instead?
Often yes — many life policies offer living benefit riders. We'll show you whether a rider or a standalone policy gives you more protection for the money.
Explore
Other Ways We Can Help
Life Insurance
Protect your loved ones and leave a lasting legacy.
Medicare
Find the right Medicare plan for your health and budget.
Retirement Planning
Build a secure retirement and protect your lifestyle.
Long-Term Care
Plan ahead for the cost of care and protect your assets.
See What Critical Illness
Coverage Would Cost You
Let's build a plan that gives you confidence in your tomorrow.