Major illness insurance

I AM SCARED - YET - FINANCIALLY I’M NOT WORRIED

Receiving a cash lump sum benefit - upon diagnosis affords you the ability to focus on your treatment, not your finances while protecting the family from unexpected costs. With your diagnosis comes the reality of new medical bills and prescription costs, needing time off for treatments and the reality you may need additional help. Get Your Quote

ADVANTAGES - SIMPLE & DIRECT

Upon diagnosis of a covered condition, a check is sent to YOU, the policyholder, not the health care provider. You do not have to submit receipts or medical bills to an insurance company.

Examples include:

  • Paying health insurance deductibles and copayments
  • Services or treatments not covered by health insurance
  • Ongoing expenses, like mortgage, utilities and home maintenance
  • Expenses for travel to receive treatment
  • Replacing lost income while you are out of work
  • Hiring home health care or child-care services

Premiums can not change as long as you own the policy.

There’s no elimination period, so the policy benefit can be used immediately. Policy benefits can be used for anything you choose. It is your money. You control how to spend it. If a family member is willing to help but has to take time off of work, you can pay that family member out the policy benefits, no problem.

Benefit Plans

There are three plans you can choose from...

  • Cancer
  • Heart Attack & Stroke
  • Critical Illness

...and two application processes*:

  • The Express Issue process which includes benefit amounts up to $50,000
  • The Simplified Issue process wich includes benefit amounts from $51,000 to $100,000

*See Policy Details Tab below

Coverage options include:

  • Individual, Single Family and All Family members
  • Benefit Amounts from $10,000 to $100,000
  • Ages covered from 18-89*

Additional Benefits Include:

  • Intensive Care Unit pays a daily room benefit for each day of confinement in an intensive care unit
  • Cash Value provides a percentage of all premiums paid for the policy and all riders, minus the amount of any benefits paid in claims for all insured persons
  • Return of Premium upon Death (Critical Illness Plans)

*Issue ages, policy features and riders may not be available with all policies or approved in all states.

Quote Tool

10 Minute Application - What To Expect

There are two applications processes depending on benefit amount requested:

  • Express Issue Application: Yes/No questions for benefit amounts up to $50,000
  • Simplified Issue Application: Medical/Pharmaceutical records review for benefit amounts up to $100,000

After savng your quote and providing contact information (below), an agent will contact you and set up a time to discuss your quote and complete an application.

The application process takes about ten minutes.

Things you will need:

  • Access to a computer to receive emails in order to provide consent to start and complete the application
  • Basic information: Your date of birth, social security number and home address
  • Bank account information for payment: Name of your Bank, Account and Routing numbers (credit card is not accepted)
  • If you are replacing any other insurance policy, you will need the carrier name, insured name, face amount and termination date

I AM SCARED - YET - FINANCIALLY I’M NOT WORRIED

Receiving a cash lump sum benefit - upon diagnosis affords you the ability to focus on your treatment, not your finances while protecting the family from unexpected costs. With your diagnosis comes the reality of new medical bills and prescription costs, needing time off for treatments and the reality you may need additional help. Get Your Quote

ADVANTAGES - SIMPLE & DIRECT

Upon diagnosis of a covered condition, a check is sent to YOU, the policyholder, not the health care provider. You do not have to submit receipts or medical bills to an insurance company.

Examples include:

  • Paying health insurance deductibles and copayments
  • Services or treatments not covered by health insurance
  • Ongoing expenses, like mortgage, utilities and home maintenance
  • Expenses for travel to receive treatment
  • Replacing lost income while you are out of work
  • Hiring home health care or child-care services

Premiums can not change as long as you own the policy.

There’s no elimination period, so the policy benefit can be used immediately. Policy benefits can be used for anything you choose. It is your money. You control how to spend it. If a family member is willing to help but has to take time off of work, you can pay that family member out the policy benefits, no problem.

Benefit Plans

There are three plans you can choose from...

  • Cancer
  • Heart Attack & Stroke
  • Critical Illness

...and two application processes*:

  • The Express Issue process which includes benefit amounts up to $50,000
  • The Simplified Issue process wich includes benefit amounts from $51,000 to $100,000

*See Policy Details Tab below

Coverage options include:

  • Individual, Single Family and All Family members
  • Benefit Amounts from $10,000 to $100,000
  • Ages covered from 18-89*

Additional Benefits Include:

  • Intensive Care Unit pays a daily room benefit for each day of confinement in an intensive care unit
  • Cash Value provides a percentage of all premiums paid for the policy and all riders, minus the amount of any benefits paid in claims for all insured persons
  • Return of Premium upon Death (Critical Illness Plans)

*Issue ages, policy features and riders may not be available with all policies or approved in all states.

Quote Tool

10 Minute Application - What To Expect

There are two applications processes depending on benefit amount requested:

  • Express Issue Application: Yes/No questions for benefit amounts up to $50,000
  • Simplified Issue Application: Medical/Pharmaceutical records review for benefit amounts up to $100,000

After savng your quote and providing contact information (below), an agent will contact you and set up a time to discuss your quote and complete an application.

The application process takes about ten minutes.

Things you will need:

  • Access to a computer to receive emails in order to provide consent to start and complete the application
  • Basic information: Your date of birth, social security number and home address
  • Bank account information for payment: Name of your Bank, Account and Routing numbers (credit card is not accepted)
  • If you are replacing any other insurance policy, you will need the carrier name, insured name, face amount and termination date