Critical Illness Insurance: Cash When Diagnosis Changes Everything

Critical illness insurance pays a lump sum if you are diagnosed with a covered serious condition. Use the money for treatment, experimental care, mortgage payments, childcare, or any expense while you focus on getting better.

Commonly covered conditions

• Cancer (invasive)
• Heart attack
• Stroke
• Major organ failure
• Kidney failure
• Coronary artery bypass surgery

Plan features to compare

• Benefit amount and whether it decreases with age
• Waiting periods and survival period requirements
• Recurrence and partial benefit riders
• Return of premium options on some policies

Critical illness coverage is a smart supplement to health and disability insurance for working families and seniors on fixed incomes.