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Critical Illness Plans

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?

Click on the tabs below to review what critical illness plans we have to offer.
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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
    • 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
    GTL CHS Plan Details
    Precision Care Cancer-Only Plan
    • Issue ages 18-90
    • Up to $75,000 in benefits
    • Additional riders available
      • cancer benefit builder rider
      • child coverage rider
      • return of premium rider
    GTL Cancer Plan Details
    Supplemental Solutions
    • 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
    Critical CASH
    • 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
     

    Request Rates Here


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    Loyal American

    There are two Critical Illness plans available under Cigna's subsidiary, Loyal American.

     
    Cancer Treatment
    • 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
     
    Flexible Choice Cancer & Heart
    • 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
     

    Request Rates Here


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    Continental Life

    This subsidiary of Aetna offers two popular critical illness plans.

     
    Cancer and Heart Attack or Stroke
    • 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
       
    Cancer and Heart Attack or Stroke Plus
    • Cancer insurance OR
    • Cancer insurance with recurrence benefit*
    AND/OR
    • 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
     

    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%)

     

    Request Rates Here


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    Mutual of Omaha

    Mutual of Omaha offers their Critical Advantage Plan - Coverage for Cancer, Heart Attack or Stroke.

     
    Critical Advantage Plan
    • Critical Illness benefit OR
    • Cancer benefit OR
    • Heart Attack & Stroke benefit
      Plan Overview*
    • 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
     

    Request Rates Here

     

    *Product and plan details vary by state


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    Washington National

    There's a few Critical Illness products available through Washington National

     
    Active Care
    • 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
     
    Critical Solutions
    • 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
     
    Solutions Cancer
    • Schedule of Benefits Cancer Plan
      • 4 benefit levels
    • Issue ages 72-75
    • Coverage options for:
      • individuals
      • individuals plus spouse
      • family
    • Optional Cancer benefits, first occurrence add-on, and wellness rider
     

    Request Rates Here