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Critical Illness

No one thinks about what would happen if he or she were to be diagnosed with a critaical illness such as cancer, heart attack or a stroke. Not to long ago such a diagnoses would mean certain death, but thanks to advances in medical science the odds of surviving are pretty good.

But for most of us such a illness could bring severe financial hardship which could cost you everything own why you recover.  But now with Critical illness coverage we can help ease that financial and emotional burden.

Under the plan if you are diagnosed with any of the major critical illnesses you will recieve a cash benfit of your choosing.  Below are the conditions and benefit amounts on most plans.

                                                                             $50,000 Benefit
Cancer                                         100%                       $50,000
Heart Attack                                 100%                       $50,000
Stroke                                          100%                       $50,000
Coronary Bypass Surgery              100%                       $50,000
Kidney Failure                               100%                       $50,000
Major Organ Transplant                  100%                       $50,000
Coma                                           100%                       $50,000
Paralysis                                      100%                       $50,000
Blindness                                      100%                      $50,000
Terminal Illness                                75%                      $40,000
Nursing Home Confinement               75%                      $40,000
Benign Brain Tumor                          25%                      $12,500
Alzheimers' Disease                         25%                      $12,500
HIV                                                 25%                      $12,500
Parkinsons Disease                          25%                      $12,500
Aorta Graft Surgery                           25%                      $12,500
Heart Valve Replacement or Repair     25%                      $12,500
Coronary Angioplasty                        10%                       $5,000

* 10 or 20 year term life insurance policy
* 0-60 issue age
* $10,000 minimum policy face amount
* Insurance amounts up to $100,000
* Limited Coverage Available

All above conditions are payable one time only.

Optional Riders

Return of Premium Rider
If the Return of Premium Rider is purchased and critical illness plans remains in force for the term of the policy, 100% of the premium payments will be returned to the insured, less any benefit paid out or fees submitted.

Waiver of Premium Rider
If the Waiver of Premium Rider is purchased, the Critical Provider plan will waive all your premiums if you are continually, totally disabled for at least 90 days, until the policy monthly anniversary fall on or directly follows your 60th birthday, or through the end of the base policy while the rider is in force.

Accidental Death Benefit Rider
If the Accidental death Benefit Rider is purchased, this rider provides for an additional death benefit in the event of accidental death.  the accidental death benefit amount will equal the face amount of the critical policy.