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Critical Illness Insurance

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Multiple coverage options to choose from

Critical Illness Insurance Provided By Our Agency

Many people face significant out-of-pocket costs due to the rise of high-deductible health plans. Having a Critical Illness Protection Plan offers crucial financial relief and reduces the stress associated with major illnesses.

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Only the Elderly Need It
All Critical Illnesses Are Covered
Health Insurance is Sufficient
It's Too Expensive

Only the Elderly Need It

Risk Factors

Only elderly individuals need critical illness insurance.

Solution

Critical illness can affect anyone, regardless of age, and having insurance provides financial protection for all ages.

All Critical Illnesses Are Covered

Risk Factors

Critical illness insurance covers all types of serious illnesses.

Solution

Coverage is typically limited to specific illnesses specified in the policy, such as cancer, heart attack, and stroke.

Health Insurance is Sufficient

Risk Factors

Regular health insurance provides enough coverage for critical illnesses.

Solution

Critical illness insurance provides a lump sum payment that can be used for non-medical costs.

It's Too Expensive

Risk Factors

Critical illness insurance is too expensive to afford.

Solution

There are various plans available, and many are affordable, providing essential financial support during difficult times.

Personal Possessions Coverage

Risk Factors

You mastered the basics of surfing during lessons in Hawaii but your wedding ring is stolen.

Solution

With personal possessions coverage, lost jewellery is covered up to your policy limits.

What is Critical Illness Insurance?

Critical Illness Insurance (CI) provides a financial, lump-sum benefit if a covered sickness is discovered. These illnesses are usually severe and often prevent you from working. CI is designed to help you pay the mortgage, access experimental treatments, or cover unexpected medical expenses during challenging times.

Unlike health insurance, which pays doctors, hospitals, and specialists, critical illness insurance provides direct financial support when needed.

What does Critical Illness Insurance usually cover?

Critical illness insurance policies cover various severe illnesses, including:

Invasive cancer, Non-invasive cancer, Heart attack, Coronary artery bypass surgery, Angioplasty, Stroke, Kidney (renal) failure, Major Organ Transplant, Paralysis, Coma

Advantages of Critical Illness Insurance

Many people purchase critical illness insurance through their employer, and it's often offered as a voluntary benefit. Employers recognize the importance of these plans as employees worry about high out-of-pocket expenses with high-deductible plans. 

Notably, employees generally bear the entire cost of critical illness plans, making it a cost-effective option for workers and employers.

Critical illness insurance can be used for:

  • Access to critical medical services not otherwise available
  • Treatments not covered by traditional policies
  • Costs of daily living so you can concentrate on your rehabilitation
  • Transportation expenses, including trips to treatment centers and vehicle modifications
  • Home modifications, such as installing lifts for those unable to navigate stairs
  • Restful recovery periods, using funds for a vacation

CI can alleviate financial worries if you become too sick to work.

Already have a plan?
Switching is easy

Consider other options if your current insurer's service doesn't meet your needs due to poor claims experiences or unexplained rate increases.

However, ensure your new policy is effective before canceling your existing one to avoid financial issues.

Contact us today to explore multiple options and find the right critical illness insurance.
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We extend coverage to individuals and businesses in  Lawrenceville, GA and surrounding areas.
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315-313-7900
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