Critical Illness Insurance

Cancer Insurance

• Offers financial support for cancer treatments, including chemotherapy, radiation, and surgery
• Covers costs that health insurance may not fully pay, such as travel, lodging, and lost income
• Provides lump-sum payments or benefit payouts based on treatment needs
• Covers both medical and non-medical expenses, such as mortgage payments or household bills

Critical Illness Insurance

• Provides a lump-sum cash payment when diagnosed with serious illness like heart attack, stroke, kidney failure, or major organ transplant
• Benefits can be used for medical bills, living expenses, childcare, or lost income
• No restrictions on how the funds are used – offers financial flexibility during recovery
• Helps protect savings and retirement funds from being drained by high medical costs

Accident Insurance

• Helps cover medical costs from injuries like fractures, burns, or concussions
• Provides cash benefits for ER visits, hospital stays, and physical therapy
• Provides cash benefits to help cover out-of-pocket costs like copays, deductibles, and lost wages
• No network restrictions – benefits can be used with any doctor or hospital

Helps Cover Deductibles & Copays

Pays for out-of-pocket costs like deductibles, copays, and coinsurance, reducing financial strain

No Network Restrictions

Benefits can be used with any doctor, hospital, or treatment facility, offering flexibility for care

Provides Lump-Sum Cash Benefits

Unlike health or Medicare insurance, these plans provide direct cash payouts that can be used for medical and non-medical expenses

Fills Coverage Gaps

Standard insurance focuses on medical treatments, but these plans help with unexpected expenses like travel for specialized care

Protects Savings & Financial Stability

Helps prevent financial hardship by covering unforeseen costs associated with serious illnesses, accidents, or hospital stays

Peace of Mind During Health Emergencies

Ensures that individuals and families can focus on recovery rather than worrying about medical bills

Aetna

Offers ancillary insurance products, including dental, vision, hospital indemnity, critical illness, and accident insurance, providing additional financial protection and wellness benefits.

Cigna

Offers ancillary insurance products, including dental, vision, accident, critical illness, and hospital indemnity plans, providing extra financial protection and wellness benefits.

Humana

Offers ancillary insurance products, including dental, vision, critical illness, hospital indemnity, and accident insurance, focusing on supplemental coverage and wellness benefits.

United Healthcare

Offers ancillary insurance products, including dental, vision, accident, critical illness, hospital indemnity, and disability insurance, providing supplemental coverage and financial protection.

Blue Cross Blue Shield

Offers ancillary insurance products, including dental, vision, accident, critical illness, and hospital indemnity plans, providing additional coverage and financial protection.

Golden Rule

A UnitedHealthcare brand, offers ancillary insurance products, including dental, vision, accident, critical illness, hospital indemnity, and short-term health plans.

Shop, Compare & Coverage

Help you find the best plans and compare coverage options across multiple carriers.

Explain & Educate

Educate clients on how these plans supplement health & Medicare insurance coverage.

Create Custom Quotes

Create strategically optimized quotes tailored with your Health or Medicare Plan.

Enroll & Submit Documents

Handle policy enrollment and submit any required documents for coverage.

Policy & Claims Assistance

Provide ongoing support with policy management and claims assistance throughout the year.

What is Cancer & Critical Illness Insurance?

Cancer & Critical Illness Insurance provides a lump sum payment upon diagnosis of covered serious illnesses like cancer, heart attack, stroke, or organ failure. The payout can be used to cover medical expenses, living costs, and other financial needs during recovery.

What does Cancer & Critical Illness Insurance cover?

This insurance typically covers cancer, heart attacks, strokes, organ failure, kidney disease, multiple sclerosis, and other serious conditions. Coverage varies by plan, so it's important to review specific terms.

How does Cancer & Critical Illness Insurance work?

Once you are diagnosed with a covered condition, you receive a lump sum payment that you can use for medical bills, treatment costs, and daily expenses like mortgage payments or childcare. The payment is generally made directly to you, not the healthcare provider.

Can I use the lump sum payout for anything?

Yes, the lump sum payout is flexible and can be used for medical treatments, alternative therapies, travel costs, household bills, or any other personal needs that arise during your illness.