Critical Illness is coverage for those dealing with serious health conditions such as Cancer, Heart Attack, or Stroke. Most carriers offer a Critical Illness plan whether it’s a Cancer Only, Heart Attack and Stroke only, or a combination of a Cancer, Heart Attack, or Stroke plan. To review Critical Illness and the benefits of having coverage click the button below.
What Is Critical Illness? Request Rates here
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Guarantee Trust Life
GTL offers a couple different Critical Illness plan options for your client:
Cancer, Heart Attack and Stroke Plan
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- Issue ages 18-90
- Up to $75,000 in benefits
- Additional riders available
- benefit builder rider
- recurrence rider
- intensive care rider
- critical accident rider
- child coverage rider
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Precision Care Cancer-Only Plan
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- Issue ages 18-90
- Up to $75,000 in benefits
- Additional riders available
- cancer benefit builder rider
- child coverage rider
- return of premium rider
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Supplemental Solutions
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- Issue ages 18-79
- Lump sum cancer benefits from $10,000 to $50,000
- Heart attack & stroke rider benefit available (25% of the lump sum cancer face amount)
- Guaranteed renewable for life
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Critical CASH
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- Issue ages 18-84
- Base benefits from $500 – $5,500
- Nursing home benefit from $500 – $5,500
- 6, 12, 18 or 24 month benefit period
- Receive benefits monthly or as a single lump sum
- Built in restoration of benefits
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Loyal American
There are two Critical Illness plans available under Cigna’s subsidiary, Loyal American.
Cancer Treatment
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- Cancer benefit
- Issue ages 18-99
- Benefit amounts vary for types of cancer treatments, care, and associated costs
- Coverage for
- individual
- individual + spouse
- individual + family
- Available riders:
- lump sum cancer rider
- lump sum heart attack and stroke rider
- hospital indemnity benefit
- intensive care unit indemnity benefit
- hospital and intensive care unit
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Flexible Choice Cancer & Heart
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- Benefit amounts from $5,000 – $100,000
- Issue ages 18-99
- Coverage for
- individual
- individual + spouse
- individual + family
- Cancer Insurance OR
- Heart Attack & Stroke Insurance
- Available Riders:
- cancer or heart attack & stroke
- restoration benefit
- recurrence benefit
- hospital indemnity benefit
- intensive care unit indemnity benefit
- hospital and intensive care unit indemnity benefit
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Continental Life
This subsidiary of Aetna offers two popular critical illness plans.
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Cancer and Heart Attack or Stroke
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- Cancer insurance OR
- Cancer and Heart Attack or Stroke insurance
- Optional intensive care unit rider
- Issue ages 18-89
- Up to $75,000 in benefits
- Coverage options for
- individual
- individual + spouse
- individual + family
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Cancer and Heart Attack or Stroke Plus
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- Cancer insurance OR
- Cancer insurance with recurrence benefit*
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AND/OR
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- Heart Attack or Stroke insurance OR
- Heart Attack or Stroke insurance with recurrence benefit*
- Issue ages 18-89
- Benefits from $5,000 to $75,000
- Coverage options for
- individual
- individual + spouse
- individual + family
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Continental Life CHS Plus Plan Details
*Recurrence Benefit: If diagnosed with Cancer/ Heart Attack or Stroke, this policy will pay 100% of the selected benefit amount. And if your client wants to be covered in case the cancer returns or a subsequent heart attack or stroke, the recurrence benefit is payable as long as at least 2 years have passed since the date of the last heart attack or stroke. The recurrence benefit will pay a percentage of the selected benefit amount (not to exceed an additional 100%)
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Bankers Fidelity Life Insurance Company
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Vantage Cancer – Lump Sum Cancer*
- Issue Ages 18-99 (18-74 for Specified Disease Benefits)
- Benefit Amount up to $75,000
- Coverage Available for:
- Individual
- Individual and Spouse
- Individual & Children and Family
- Optional Riders:
- Second Opinion & Travel Rider
- Skin Cancer Rider
- Cancer Hospitalization Rider
- Cancer Radiation and Chemotherapy Rider
- Heart-Stroke Benefit
- Specified Disease Rider
- Additional Occurrence Rider
- Benefit Builder Rider
- Wellness
*Product and rider availability varies by state
Medico
Medico’s First Diagnosis Cancer Insurance– Coverage for Cancer-Only
Plan Overview*
- Cancer-Only Plan
- Issue ages 18-79
- Up to $25,000 in benefits
- 10% Household Discount
- Optional Inflation Protection Benefit
- Increases cash benefit by 5%
*Product and plan details vary by state
Mutual of Omaha
Mutual of Omaha offers their Critical Advantage Plan – Coverage for Cancer, Heart Attack or Stroke.
Critical Advantage Plan
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- Critical Illness benefit OR
- Cancer benefit OR
- Heart Attack & Stroke benefit
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Plan Overview*
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- Issue Ages 18-64 / 18-54 (term)
- Benefit Amounts from $10,000 – $100,000
- Coverage options for:
- individuals
- single parents
- family
- Basic benefits include:
- lump sum benefit amount
- return of premium benefit upon death
- Coverage options:
- lifetime coverage
- term -10, 15, 20 or 30 years
- Optional Riders:
- cash value
- intensive care unit
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*Product and plan details vary by state
Washington National
There’s a few Critical Illness products available through Washington National
Active Care
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- Cancer benefit OR
- Heart Attack & Stroke benefit
- Optional Critical Conditions benefit
- Issue Ages 18-85
- Benefit Amounts from $5,000 – $100,000
- Coverage options for:
- individuals
- individuals and spouse
- family
- Optional Riders:
- hospital Indemnity Rider
- accident Rider
- Other Options:
- cash Value option
- return of premium option
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Critical Solutions
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- Cancer Only OR
- Heart Attack, Stroke, or end-stage renal failure is diagnosed OR
- Cancer, Heart Attack Stroke, or end-stage renal failure is diagnosed
- Issue Ages 18-85
- Coverage options for:
- individuals
- individual plus spouse
- individual plus children
- Lump sum benefit from $10,000 – $70,000
- option with endorsement offers a lump sum payment plus additional indemnity benefits provides extra protection against covered critical illnesses
- Cash value/return of premium rider available
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Solutions Cancer
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- Schedule of Benefits Cancer Plan
- 4 benefit levels
- Issue ages 18-75
- Coverage options for:
- individuals
- individuals plus spouse
- family
- Optional Cancer benefits, first occurrence add-on, and wellness rider
- Schedule of Benefits Cancer Plan