Critical Illness Insurance:
A Financial Lifeline When
Serious Illness Strikes
A cancer diagnosis, heart attack, or stroke doesn't just create medical bills - it disrupts your entire life. Critical illness insurance pays a lump-sum cash benefit directly to you upon diagnosis. No restrictions on how you use it. No waiting for reimbursement.
Call 877-PATRIOTCovered Conditions
Important: Covered conditions vary by carrier and policy. Always review the specific conditions and definitions before purchasing. Some policies have survival periods (you must survive 30 days after diagnosis) and exclusions for pre-existing conditions.
Critical Illness Questions
What is critical illness insurance?
Critical illness insurance pays a lump-sum cash benefit when you're diagnosed with a covered serious illness - typically cancer, heart attack, stroke, organ failure, or other life-threatening conditions. The benefit is paid directly to you and can be used for anything: medical bills, mortgage payments, experimental treatments not covered by health insurance, travel for treatment, or living expenses while you recover.
How much does critical illness insurance pay?
Critical illness insurance typically pays a lump-sum benefit of $10,000-$100,000 upon diagnosis of a covered condition. The benefit amount you choose determines your premium. A $25,000 benefit for a healthy 40-year-old typically costs $30-$60 per month. The lump sum is paid regardless of your medical bills - you keep any amount not used for medical expenses.
What illnesses does critical illness insurance cover?
Most critical illness policies cover: cancer (all types), heart attack, stroke, organ transplant, kidney failure, major burns, paralysis, blindness, deafness, and Alzheimer's disease. Some policies also cover coronary artery bypass surgery, coma, and other serious conditions. Coverage varies by carrier - always review the specific conditions covered before purchasing.
Is critical illness insurance worth it?
For most people, yes. Consider: 1 in 3 Americans will be diagnosed with cancer. The average cancer patient spends $5,000-$10,000 in out-of-pocket costs even with health insurance. Many cancer patients reduce their work hours or stop working during treatment, creating income loss on top of medical costs. A $25,000 critical illness benefit can cover these costs and provide financial stability during a devastating time.
Protect Your Family from Financial Devastation
Critical illness insurance is one of the most affordable ways to protect against financial catastrophe. Call us for a free quote.