What is critical illness insurance? Not many people know about it, but it's so important in safeguarding your lifestyle and your money if you get sick and need expensive treatment.
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Request a Free QuoteWhat Is Critical Illness Insurance?
Critical illness insurance pays a lump-sum of cash if you get diagnosed with a covered critical illness. These illnesses are the ones most likely to incur major medical expenses, not to mention causing major lifestyle changes. If you can't work as your medical bills pile up, for example, your standard of living is going to change quickly. Critical illness insurance gives you the cash you need to maintain your current lifestyle while you get the treatment you need.
➡️ Ready to find out how affordable a new critical illness policy can be? Click the button below for a free quote!
Request a Free QuoteCommonly Covered Critical Illnesses
- Invasive cancer
- In situ cancer
- Coma
- Stroke
- Heart attack
- Coronary artery bypass
- Kidney failure
- Severe burns
- Accidental death & dismemberment
- Paralysis
- Loss of sight, speech, or hearing
- Major organ transplant
- Loss of independent living
➡️ Ready to find out how affordable a new critical illness policy can be? Click the button below for a free quote!
Request a Free QuoteDo I Really Need Critical Illness Insurance?
There's no way to predict whether you'll get diagnosed with a serious illness. But one good starting point is to look at your family history. Do any of your family members have a history with diseases in the list above? How about your grandparents or great-grandparents? Another good starting point is to take a scientific approach and look at the odds. These statistics are from The American Heart Association (updated in 2024) and the American Cancer Society (updated in 2024).
- Every 34 seconds, someone in America dies of total cardiovascular disease.
- 1 out of every 21 deaths in the U.S. is caused by a stroke.
- Heart disease and stroke caused more deaths in 2021 than all forms of cancer and chronic lower respiratory disease combined.
- About 18 million Americans are alive with a history of cancer.
- At least 42% of newly diagnosed cancer cases in the U.S. are preventable - including cancer caused by smoking, excess body weight, alcohol consumption, physical inactivity, and poor nutrition.
I don't want you to live your life afraid of getting one of these illnesses. I do want you to make a plan so that if it happens, you're not going to lose your retirement savings or the kids' college fund. Critical illness insurance can help you cover direct costs like deductibles, co-pays, experimental treatments not covered by insurance, and out-of-network medical costs. It can also cover things like lost income, modifications to your home, and lodging for out-of-town treatment. When getting well is all that matters, it's good to know you don't have to worry about how to pay the next bill.
➡️ Ready to find out how affordable a new critical illness policy can be? Click the button below for a free quote!
Request a Free QuoteNext Steps
Let's make a plan so you don't have to be afraid. A CI policy can help you cover medical costs and maintain your lifestyle if you get sick. Isn't that a better plan than relying on luck?
➡️ Ready to find out how affordable a new critical illness policy can be? Click the button below for a free quote!
Request a Free Quote