Critical Illness Insurance offers a way to help protect you against the financial hardships associated with surviving a critical illness such as cancer, heart attack or stroke. Upon diagnosis of a covered critical illness and submission of a valid claim, you will receive a check for the designated benefit amount .  This "living benefit" can be used for any purpose, from immediate health-related costs to more general financial needs such as lost income, mortgage payments, and tuition - allowing you to focus on what is important ...getting well.

You decide the benefit amount you receive.  You can choose as much as $100,000 of lump sum payment.  Plus we include a Continuation and Recurrence rider.  You may be able to receive your benefit amount 3 times.  

Coverage includes:

• Invasive and In-Situ Cancer
• Heart Attack
• Stroke
• Kidney failure
• Coma
• Loss of sight, speech, hearing
• Severe burns
• Major organ transplant
• Paralysis
• Coronary artery bypass
• ANY illness or injury causing permanent loss of independent living as defined by ADL's

In the US, Men have a 1 in 2 lifetime risk of developing cancer; for Women the risk is a little more than 1 in 3 (Am. Cancer Society, 2007)                                                                  

Cancer Insurance

When a covered individual is diagnosed and treated for cancer, this plan provides a variety of benefits to help offset some of the costs associated with cancer treatment as well as indirect costs related to recovery from cancer. Depending upon the level of coverage you select, a Cancer Insurance policy can include benefits for:

• Hospital Confinement
• Ambulance to/from Hospital
• Intensive Care Unit Confinement
• Surgery
• Second Surgical Opinion
• Radiation and Chemotherapy
• Disability Income
• Death

We offer 3 levels of coverage designed to fit your budget.  Each pays a lump sum upon diagnosis as well as a multitude of specific benefits.

Genetics, life style, environment and more may increase your risk of cancer.  66% of the total costs related to cancer are indirect and not covered by health insurance (Am Heart Assoc. 2004)

Cancer can devastate a family emotionally and financially.  Our insurance will help cover the cost.  All money is paid directly to You.  We offer Individual, Spouse and Family coverage.