Financial protection during your journey to recovery

If you face a major medical crisis – such as a stroke, heart attack, or organ failure – critical illness insurance can protect you from out-of-pocket costs that can add up quickly.

CRITICAL ILLNESS

Critical illness insurance is a type of supplemental coverage that pays cash benefits to a policyholder if they’re diagnosed with a medical condition that’s covered by the policy.

Critical illness insurance is designed to be used in addition to major medical health coverage, but not replace it. It is not adequate to be your only source of health coverage, as the benefits are capped and the list of covered conditions is limited.

CANCER POLICIES

Cancer insurance provides benefits only if you are diagnosed with cancer, as defined by the terms of the policy contract. These policies offer limited benefits for the diagnosis and/or treatment of cancer. Most cancer policies provide benefits based upon specified health care costs and expenses incurred in conjunction with the treatment of cancer, though some policies may pay a lump-sum benefit upon diagnosis. Cancer policies that provide more comprehensive benefits and coverages will cost more than policies with limited coverage. In addition, premiums may increase as you get older, or may increase if total claims paid for consumers covered under a company’s specific cancer policy increase beyond the company’s expectations. Cancer insurance is sometimes referred to as a “specified disease” or “dread disease” policy. Typically, policy contract provisions found in this type of coverage are very specific and limit benefits to narrowly- defined covered illness and/ or injury. Specified disease policies generally exclude benefits for any disease or sickness that is diagnosed prior to the policy effective date. Examples of other specified disease policies are heart attack or stroke policies. Much of the information in this document may be applicable not only to cancer policies, but also to these other types of specified disease policies as well. 

DISABILITY INSURANCE

Your ability to work and earn income is likely your most valuable asset. When serious injury or illness keeps you from working, your income and lifestyle are at risk – and that risk is more substantial than most people think: 1 in 4 workers will become disabled during their working years. Disability income insurance provides partial income so you can pay your bills if you get too sick or injured to work. Whether you have short term, long term, or individual disability insurance, all plans help protect your finances at a time when you may be in financial risk.

You rely on your paycheck. Disability insurance can help protect it. If you're totally disabled due to sickness or injury and can't work, disability insurance offers coverage that can provide money to help pay your mortgage, rent, car loans, and other monthly expenses. It may also help prevent using your retirement or education savings if you can't work. Let's chat.an agent

Long Term Disability

Long-term disability insurance provides funds to help replace lost income if you become disabled.

Short Term Disability

Short-term disability insurance provides funds to help with monthly debt obligations like car loans, mortgage, rent, and credit cards — or to help replace lost income if you become disabled.