Critical Illness Coverage

What is Critical Illness Coverage

Did you know In the United States:

- About Every 34 Seconds Someone Suffers a Heart Attack.

- Every 40 Seconds Someone Suffers a Stroke.

- Over a lifetime, Nearly 50% of Men Will be Diagnosed with Some Form of Cancer.

- The lifetime cancer risk for women is More Than 1-in-3

Our Product helps ensure that if these Healthcare Issues come up you are covered! 

What Makes Us Unique

Multiple Benefit Feature

A maximum of 100% of the benefit applied for is paid in each category (other than Category 1 in the first
90 days) for a total of up to three (3) times the policy benefit amount as long as the illnesses are diagnosed at least 180 days apart.8 If you become ill and the first benefit paid under a category does not equal 100% of the benefit amount you selected, you are then eligible for subsequent benefit payments for covered
illnesses in the same category until you reach 100% of your selected benefit amount.

Recurrence Benefit

If you become ill and are paid full benefits for a Category 2 or 3 Critical Illness, you can receive an additional 25% payment of the benefit amount you selected if you have a recurrence. This is available for up to 2 recurrences as long as you have not exceeded your maximum benefit amount and the occurrences are more
than 18 months apart.

Additional Benefit

If you are paid benefits for the first occurrence of a specified covered Critical Illness more than 90 days after
your policy is issued, we will pay an additional cash lump sum, equal to 6 months of premium, to help cover
premium payments or other expenses.

What is Covered

Category 1

  • Invasive Cancer (100%)
  • Invasive Cancer - diagnosis prior to 90 days of in force coverage (10%)*
  • Cancer In Situ (25%)
  • Cancer In Situ - diagnosis prior to 90 days of in force coverage (2.5%)*

Category 2

  • Heart Attack (100%)
  • Heart Transplant (100%)
  • Stroke (100%)
  • Angioplasty (25%)
  • Aortic Surgery (25%)
  • Coronary Artery Bypass Surgery (25%)
  • Heart Valve Replacement/ Repair Surgery (25%)

Category 3

  • Coma (100%)
  • End-Stage Renal Failure (100%)
  • Major Organ Transplant, other than heart (100%)
  • Paralysis (100%)

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