Critical Illness

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Critical Illness Insurance Quote

Thanks to medical advances, more and more American are surviving major medical crises– cancer, strokes, heart attacks and kidney failure.

We all realize that many individuals who have been diagnosed with what at one time were considered fatal illnesses are now overcoming the odds and surviving.

Unfortunately, it places a tremendous emotional strain on the family and many times accompanied by an overwhelming financial burden.

Your financial security is most threatened when you are told by a physician that you have suffered a heart attack or stroke or that the tissue taken during a biopsy is, in fact malignant.

Crisis Recovery is designed to ease the financial pressure by providing a lump sum cash benefit paid directly to you upon the diagnosis of a covered illness. CLICK Here to view the Critical Illness brochure. 

Protection when you need it most to help you cope with the high cost of recovering from a Medical Crisis

Use your Crisis Recovery benefits any way you wish.

• Non-medical expenses resulting from your condition.
• Deductibles, co-pays, prescriptions, experimental treatments and out of network expenses.
• Extended convalescence services or for rehabilitation
• Treatments that are not covered by or limited by your existing medical insurance.
• Your mortgage, auto loans and credit card payments.
• Home or automobile alterations for special needs.
• Expenses for child and/or nursing care
• Your income and your spouse’s lost wages while he or she cares for you.

Or any other bills you may have.

Reduced Benefits

During the first 90 days after the Effective Date of coverage, Reinstatement date or for a second date of occurrence resulting in a Diagnosis or procedure in a Multiple Condition instance, We will pay 25% of the Percentage Benefit Payable listed in the Policy Schedule.

Reduction of Benefits Due To Age

Any benefits remaining at age 65 or older will reduce 50%.

Guaranteed Renewable

This Policy is guaranteed renewable to age 75 by the timely payment of premiums. It must be paid on or before its due date, or within the 31 days that follow. When an Insured’s coverage terminates at age 75, coverage for other Insured persons, if any, shall continue under this Policy.

After the first 12 months, We reserve the right, subject to 30 days (45 or 60 days depending on state) prior written notice to You at Your last known address, to establish a new schedule of premium rates; such schedule of rates will be effective on the following renewal date for all or any class of Insured’s covered by this Policy. Premiums are scheduled to change annually based upon each Insured’s attained age. Attained age means the age of the Insured on the Policy Effective Date of coverage and subsequent Policy anniversary.

Attained Age Pricing

In order to make this plan as affordable as possible, we used a pricing method that is called Attained Age Pricing. By using this method the cost of the plan is lower at the beginning and takes small incremental increases each year there after. This is in contrasts to a method called Issue Age Pricing where the premium starts out much higher but remains at the same level for several years or the life of the policy.

Which method is better?

We believe that Attained Age Pricing is better for the consumer since it’s more affordable up front and allows you to purchase the amount you need by paying less when your income is lower and as your income continues to grow you will be able to pay a little higher premium.

In comparing this method to other insurance carriers that prices their product using Issue Age Pricing, we find that our method can save you as much as 20% to 30% (see graph) in the first 10 Years depending on your age.

Waiting Period

The benefits of this Policy are payable for loss that begins more than 90 days after the Effective Date of coverage for each Insured person. If the Diagnosis is made within the first 90 days, we will pay 25% of the benefit payable as listed in Category One and Two of the policy.

Exclusions and Limitations

Benefits will not be payable for any such loss resulting from or in connection with: (1) suicide, attempted suicide or intentional self-inflicted Injury, whether sane or insane; (2) war or any act of war (whether declared or undeclared) or participating in a riot or felony; (3) being intoxicated (as determined by the laws governing the operation of motor vehicles in the jurisdiction where the loss or cause of loss occurs) or under the influence of an illegal substance or a narcotic (except for narcotics used as prescribed to an insured person by a physician); (4) the insured person’s commission or attempt to commit a felony or to which a contributing cause was the insured person’s being en- gaged in an illegal occupation; (5) loss that begins prior to the effective date of coverage.

PRE-EXISTING SICKNESS OR INJURY PROVISION:

The benefits of the policy will not be payable during the first 12 months that coverage is in force with respect to an insured person for a loss caused by a Pre-Existing Sick- ness or Injury disclosed or not disclosed in the application. This 12 month period is measured from the effective date of coverage for each insured person. A Pre-Existing Sick- ness or Injury means a Sickness or Injury which is Diag- nosed by a legally qualified physician or for which medical advice or treatment was recommended or received from a legally qualified physician within 12 months prior to the effective date of coverage for each insured person.