Critical Illness Insurance
Financial peace of mind when you need it most
Coverage You Can Lean On
So much seems uncertain when you’re dealing with an illness, like cancer or COVID-19. Take comfort in knowing that critical illness insurance will cover your financial expenses—because money should be the last of your worries. Here’s what you can expect:
- A lump sum benefit payment to use as you see fit
- Dependent coverage for a spouse or partner and children 1
- No obligation to submit expense receipts
- Portable coverage options should you leave your current employer 2
For complete plan details, talk with your company’s benefits administrator.
Take Our Benefits Quiz
Answer a few quick questions, and we’ll deliver customized recommendations for benefits that support your lifestyle and goals.
FAQs
Yes, you can use your benefit payment as you see fit. Use it to help cover your household bills, medical insurance deductibles, copayments, and more.
Payments will be paid directly to you, not to the doctors, hospitals, or other healthcare providers. You will receive a check, payable to you, for maximum convenience.
Critical illnesses can happen when you least expect them — and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor visits, and extra costs for out-of-network care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family. (2)
Yes. If your employer offers critical illness insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively employed for your coverage to be effective. (3) There are no medical exams to take and no health questions to answer.
No. Your critical illness insurance will be effective on the date of your coverage as long as you are actively employed. There are no waiting periods to satisfy.
Yes. Within 3 days of receipt, we’ll send a Claims Acknowledgment Letter. Also, you can choose to receive payments the way you want — electronic funds transfer or check.
Featured Article: How Is Critical Illness Insurance Different from Medical and Disability?
Finally, the clarity you need about three very different insurance products.
Read More >
Featured Video
Could critical illness insurance save money in the long run? Stephanie and Omrae discuss it.