A serious diagnosis triggers a lump-sum payout you can use however you need — deductibles, lost income, treatment travel, childcare. Critical illness insurance fills the gaps your health plan was never designed to fill.
Critical illness policies pay a lump sum upon diagnosis of specific covered conditions. You get cash within days — no receipts, no restrictions on how you spend it.
Most clients choose $10,000–$50,000. A common rule is enough to cover your annual deductible plus 3–6 months of income. We'll talk through the right amount for your situation.
Health insurance pays the medical bills. Critical illness pays YOU directly. You can use the money for non-medical things — mortgage, childcare, lost wages, travel for treatment — that your health plan won't touch.
Conditions diagnosed before the policy starts are typically excluded. Once the policy is in force, any newly diagnosed covered condition pays. Underwriting is much lighter than life insurance.
Yes — it's designed to layer on top. Many small business owners offer it as a voluntary benefit through their group plan. Individuals can buy it directly.
Affordable premiums. Tax-free payout. Used however you need it.
