Critical Illness Insurance - Financial Protection When It Matters Most
What Does Critical Illness Insurance Cover?
Most critical illness policies pay a tax-free lump-sum cash benefit upon diagnosis of a covered condition, including: Cancer (many types) | Heart Attack | Stroke | Coronary Artery Bypass Surgery | Kidney Failure | Major Organ Transplant | Alzheimer's Disease | Paralysis
The cash benefit — typically $10,000 to $100,000 or more depending on your policy — can be used however you choose: to cover deductibles and out-of-pocket medical costs, replace lost income during treatment, pay for home modifications, cover travel to specialty care centers, or simply keep your household bills paid while you focus on recovery.
Who Should Consider Critical Illness Insurance?
Critical illness coverage is a smart addition for anyone who: has a high-deductible health plan, is self-employed without paid sick leave, has a family history of cancer or heart disease, or wants an extra financial safety net that their regular health insurance won't provide.
How It Works with Your Existing Health Insurance
Critical illness insurance does not replace your health insurance — it works alongside it. Your health plan pays the medical providers. Your critical illness policy pays you directly, giving you the flexibility to use the money where you need it most.
Ready to explore your options? Call (603) 494-6535 or request a free quote. I serve clients in New Hampshire, Maine, Pennsylvania, North Carolina, Ohio, and Texas.