Critical Illness Insurance

It’s something you never want to imagine — you or a loved one being diagnosed with cancer or suddenly experiencing a heart attack or stroke. Critical illness insurance reduces the financial burden of a life-threatening illness by paying money directly to you, so you can focus on more important things — like getting well.

Advantages of Group Critical Illness:

• Affordable insurance coverage reducing the financial impact of a major illness
• Should two covered critical illnesses occur at least 30 days apart, you are paid twice
• May use the money as you choose (pay your medical bills, clear up debt or take time off from work)

Benefits:

• Lump-sum payment to primary insured (employee) at diagnosis of covered illness or procedure
• Reoccurrence Diagnosis Benefit means a recurring critical illnesses pays the same benefit as the initial occurrence (diagnoses must be separated by 12 months, treatment-free if relative to cancer)
• Waiver of Premium Benefit waives the premium while the insured is disabled due to a critical illness or specified disease covered under the policy and riders (90-day elimination period)
• Return of Premium feature gives back 100 percent of premiums paid (minus any benefits received) when a primary insured dies of a cause other than a specified critical illness