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 | Critical Illness |
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April, MI; USA wrote on Critical Illness Insurance
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"If it wasn't for my Grandfather getting a Critical Illness Insurance plan, my family would not had made it financially after he was diagnosed with cancer!"
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Critical Illness Insurance helps fill the financial gaps not covered by traditional health, disability, life and accident insurance. If a life-threatening illness occurs, our Critical Illness Insurance pays the insured a benefit to help protect his or her quality of life.
Critical Illness Insurance is an individual health policy that pays a lump sum benefit upon diagnosis of one of the covered illnesses as defined in the policy. A partial benefit may also be paid for a specific illness or specified surgical treatment as defined in the policy.
Critical Illness Insurance provides CASH if you become ILL:
- "Cash up front" paid in a lump sum to use on what you choose!
- Financial freedom and flexibility
- An ability to plan for the unexpected
- Money when you need it most
- Immediate benefit payment for you to have a higher quality of life
How prepared are you for a critical illness?
Do you have protection when it's critical?
If you suffer a critical illness like cancer or a heart attack, will you be protected?
- Event Financial Impact
- Your car is stolen
- You suffer a heart attack
- Your basement floods
- You are diagnosed with cancer
- Your shingles blow off
- Your windshield is cracked
Please click on the following TABS for our two Critical Illness plans:
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This insurance covers the gaps that may be left by other insurance products. With the first-ever diagnosis of a covered illness, you receive a check for the benefit amount.
The benefit is paid whether or not you are able to work.
This money will buy you choices and provide the cushion you'll need to replace your income while you recover, and your spouse's income while taking care of you. It may also open the door for medical care choices and options to change the way you make a living. |
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Pays 100% of benefit for your first-ever diagnosis by the appropriate physician specialist -
Invasive Cancer: Malignant tumor growing outside of the original site
Excluded: pre-malignant lesions, benign tumors or polyps, early prostate cancer (T1N0M0) or equivalent, skin cancers other than invasive melanomas
Heart Attack: Acute myocardial infarction resulting in death of a part of the heart and loss of normal heart function
Excluded: old myocardial infarctions
Stroke: Acute cerebrovascular event resulting in a measurable neurological deficit lasting at least 96 hours
Excluded: TIAs, head injuries, chronic restricted blood flow, reversible neurological deficits
Major Organ Transplant: The medical need to replace these malfunctioning organs: liver, kidney, lung, entire heart, small intestine, pancreas, pancreas-kidney, or bone marrow. You must be registered with the United Network of Organ Sharing.
Excluded: Organ donor
End-stage Renal Disease: Irreversible failure of both kidneys requiring ongoing dialysis
Advanced Alzheimer's Disease: Medical evidence supporting loss of intellectual capacity, memory, and judgment. Unable to independently perform three or more activities of daily living.
Excluded: brain disorders or psychiatric illnesses other than Alzheimer's Disease
Paralysis: Permanent loss of the use of two or more limbs from a neurological injury for 180 continuous days
Major Burns: Third degree burns covering at least 20% of body
Coma: Loss of consciousness for 96 continuous hours
Pays 25% of policy benefit for your first-ever diagnosis or procedure by the appropriate physician specialist -
Coronary Bypass Surgery: Vein or artery surgery to correct narrowing or blockage of coronary arteries
Cancer in situ (non-invasive): Malignant tumor or cells that have not invaded surrounding tissue - includes early prostate cancer (T1N0M0), and melanomas not invading dermis
Pays 10% benefit for your first-ever angioplasty -
Angioplasty: Correction of narrowed or blocked coronary arteries by percutaneous transluminal (through blood vessels) angioplasty
Excluded: Non-surgical laser or other intra-arterial procedures
This policy has limitations. For costs and complete details of the coverage, call or write your insurance agent or Assurity Life Insurance Company. This is an abbreviated explanation of policy qualifications, limitations, and exclusions. Please consult the policy contract for more detailed information. Critical Illness Insurance is not a substitute for health insurance. This policy may not be appropriate for Medicaid recipients.
Rates, benefits and policy provisions may vary by state and are subject to state approval. |
When you are diagnosed with a critical illness like cancer, a stroke, or a heart attack - your focus needs to be on your physical survival - not your financial survival.
Being diagnosed with a critical illness can generate costs far beyond medical expense costs that are often not covered by traditional insurance.
Consider a recent survey conducted by Harvard University* studying Bankruptcies in the United States: 50% of all bankruptcies are medically related and over 75% of those studied had adequate health insurance protection.
Critical Illness insurance is the ONLY product that provides a lump-sum distribution of money, immediately upon diagnosis, and that money is you can use any way you deem necessary. You might:
Pay off the mortgage or retire other personal debt
- Replacement of income
- Choose the best hospitals or doctors
- Use experimental drug or therapies to help save your life
- Fund a business buy-sell agreement
- On and on, the list is endless
Critical Illness Insurance can be issued with amounts as low as $5,000 up to $500,000
This type of plan covers:
Invasive Cancer
Heart Attack
Stroke
Major Organ Transplant
End-stage Renal Failure
Advanced Alzheimer's Disease
Major Burns
Paralysis
Coma
Aortic Surgery
Benign Brain Tumor
Blindness
Deafness
Heart Valve Replacement/Repair Surgery
Loss of Limbs
Accidental Loss of Speech
Motor Neuron Disease
Occupational HIV Infection
Family benefits (for spouse and children can be added)
Pays 25% of benefit for first-ever diagnosis/procedure:
Call us today to find out how we can tailor design a plan for you and your family today.
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My Critical Health Instant Insurance Quotes
Disclaimer: This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, or accountant.
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