Critical illness insurance gives you financial independence when you need it most. You need insurance not only because you are going to die, but because you are going to live.

A Financial Resource

Your client's chances of surviving a critical illness are greater than ever. However, living with a critical illness can cause great financial hardship to a family. Critical Illness Insurance can provide your family with much needed funds at exactly the time when they are most needed, at diagnosis, not death.

Critical Illness requires loss of time and usually costly care. Unlike disability policies there is no waiting period for benefits, and unlike health insurance policies, the benefit is paid directly to you to use as you see fit.

Critical Illness Insurance helps to alleviate the financial burdens associated with your treatment so that you are better able to maintain your lifestyle. If you are diagnosed with a critical illness as specified in the policy you will receive the proceeds from your policy.

Find the best financial cure available!

There are many options when it comes to critical illness. Find the best solution for you.

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Medical technology makes survival a reality...But what about financial survival?

Heart Attack

  • 70,100,000 Americans have one or more types of cardiovascular disease.
  • There are 14 million heart attack survivors in the U.S.
  • 1.4 million heart attacks occur each year - that's one every 33 seconds.
  • Since 1968 death from heart attack has decreased 60%, most people survive.


  • There are 9.6 million cancer survivors in the U.S.
  • 1.3 million new cases of invasive cancer last year.
  • More than 63% survive at least 5 years.


  • About 700,000 Americans will have a stroke this year - that's one every 45 seconds.
  • Stroke is our nation's No. 3 killer.
  • Stroke is the leading cause of severe, long-term disability.

Modern Medical Advancements Make Survival a Reality

  • Heart Attack 60% Survival
  • Stroke 70% Survival
  • Breast Cancer 87% Survival
  • Prostate Cancer 98% Survival

These critical illness statistics underscore the importance of this type of insurance.

Critical Illness Policies Can Help Pay for Preventive Care

Make your health a matter of choice, not chance! Taking care of your body and mind means a longer life and a better quality of life. Your lifestyle choices do have an impact on your health.

The American Cancer Society estimated that in 2004 more than 180,000 cancer deaths were caused by tobacco use. Scientific evidence suggests that about one-third of the cancer deaths in 2004 were related to nutrition, physical activity, obesity and other lifestyle factors and thus could have been prevented.

The American Heart Association reports that over 70 million Americans have one or more types of cardiovascular disease! As with cancer, many of the risk factors are lifestyle choices such as physical inactivity, tobacco use, obesity and in many cases failure to treat controllable conditions like high cholesterol and high blood pressure with medications readily available from your family doctor.

How It Works

Many of our companies are committed to helping you maintain your health by providing you with a preventative care benefit policy of $50 per year for health screening tests

Best Doctors Endorsement

Provides access to a national network of over 50,000 doctors who have been personally nominated by their peers. Each doctor is a recognized specialist in the treatment of a life-threatening disease or condition. Clients can access this service at time of claim using the following:

  • An interactive web site with information on the best doctors and best treatment facilities for a particular medical condition.
  • A doctor-to-doctor consultation between the patient's personal physician and a recognized specialist regarding the best protocol for treating the condition.

With critical illness insurance, you receive policy proceeds at diagnosis instead of death. Following are the types of illnesses covered by critical illness insurance. Some policies may differ from the information shown below.

Benefit paid at diagnosis*

  • Cancer (Invasive)
  • Heart Attack
  • Stroke
  • Blindness
  • Kidney Failure
  • Organ Transplant
  • Paralysis

Optional Coverages*

  • Alzheimer's
  • Angioplasty
  • Aortic Replacement
  • Benign Brain Tumor
  • Burns (Severe)
  • Cancer in situ
  • Coma
  • Coronary Bypass
  • Coronary Angioplasty
  • Deafness
  • Heart Valve Replacement
  • Loss of Limbs
  • Loss of Speech
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Occupational HIV

What the Expert Says

"Major illnesses can have a substantial impact on the lifestyles of patients and their families..." "More than 2/3 of families reported marked changes in their lives..." "Irrespective of insurance status, many families experienced economic loss, including loss of income, savings, and the need to delay education or move into a less expensive house."


*Illnesses, terms, and conditions shown are examples of specific policy provisions. Check individual states and policy forms for limitations and exclusions which may apply.

"Modern medicine is allowing people to live longer, but the financial consequences are more severe."

The History of Critical Illness Insurance

Dr. Marius Barnard, brother of famed South African heart surgeon Dr. Christian Barnard first recognized the need for a financial cure for his patients stricken with catastrophic health events such as cancer, heart disease or stroke. In most cases these events lead to finiancial hardship and significant decline in lifestyle and quality of life.

Dr. Barnard recognized with increasing life expectancy after critical illness, it was important to help his patients survive financial hardship as well as their critical illness. He felt strongly that insurance companies shoudl address this problem and offer suitable protections.

Dr. Barnard began promoting his critical illness insurance concept, and in 1983 the first South African insurance company introduced a critical illness product to address the financial protection Dr. Barnard sought.

Following the success of critical illness insurance in South Africa, the concept has been successfully developed in the United Kingdom, Japan, Australia, Canada, and most recently in the United States. While new to the U.S., critical illness insurance is one of the most widely purchased products in other countries.

Thanks to the efforts of Dr. Barnard, critical illness insurance has become a successful, mainstream insurance product, providing a financial cure for patients with critical illnesses.