Critical Illness

How would you handle the unexpected cost of a critical illness?

Want to speak with a licensed insurance agent?

Click Here to Schedule a Free Consultation by Phone

Don't want to speak with an agent... yet?

Click Here For a "Self-Serve" E-Quote Experience

Covering Critical Illness

You can protect your family, finances, and future

Chances are you or someone you love will be affected by a critical illness at some point in your life. A critical illness can take an unexpected financial toll, but a critical illness supplemental insurance policy can help protect your pocketbook.

Buy supplemental insurance to help cover the extra costs of a critical illness diagnosis like cancer, stroke, diabetes, or Alzheimers. Our critical illness insurance pays cash lump-sum benefits upon the first diagnosis of common conditions like cancer, heart attack, and stroke.

Critical Illness Coverage

Our Critical Illness insurance can help provide you and your family with the additional financial protection you may need for expenses associated with an unexpected covered critical illness. Critical Illness supplemental insurance pays cash directly to you, a lump-sum benefit for diagnosis of a covered critical illness or specified event such as a heart attack or stroke. It can help you pay for deductibles, or expenses such as travel, room and board, transportation, child care or treatment options not covered by primary insurance.

Initial Diagnosis

A lump Sum payout of up to $75,000 upon the diagnosis of a covered illness.

Initial Diagnosis Increasing Benefit

This can add up to $1,000 per year to the initial diagnosis of a covered illness.

Coronary Artery Bypass Graft Surgery

A lump sum payout up to $6,250 for undergoing coronary artery bypass graft surgery.

Subsequent Critical Illness Event

A lump sum payout up to $12,500 upon the recurrence of a previous covered illness or the diagnosis of a new covered illness.

Critical Illness in Real Life

Gary’s employer offered the critical illness policy, and he signed up right away. But then his wife lost her job, and Gary planned to cancel the coverage to save money. Before he got around to it, his wife was diagnosed with Stage IV lung cancer.

The policy immediately paid $37,500, which they used to arrange the best care and supplement their household income.

This example is provided for illustrative purposes only.

Ready to take the next step?

If you’re ready for more information about Critical Illness supplemental health insurance, let us know.

Click HERE to Schedule a Free 30-Minute Consultation

Critical Illness Insurance FAQs

Why Should I Get Critical Illness Insurance?

Because a critical illness and the accompanying bills often arrive without warning. Our critical Illness insurance pays a lump sum benefit or a single, large-payout benefit amount, upon a covered diagnosis.

It helps with expenses health insurance doesn't cover - and helps put cash benefits in your pocket fast.

Cash benefits pay you, not your doctor or hospital. And you can use the money any way you see fit, whether it's to help with leftover medical costs or for other expenses you may have that can affect your financial security.

Lastly, we partner with the best Supplemental Health providers in the country, including: Aflac, Cigna Supplemental, Colonial Life, and Washington National. This way our wise agents provide you the best policy for your needs, at the best price.

What is the Difference Between Cancer and Critical Illness Insurance?

We offer both Cancer and Critical Illness policies. Each plan offers different benefits, and it's not uncommon for policyholders to consider more than one plan. Combined, you can explore a more supportive and holistic approach to coverage. It makes sense to explore all your options.

Cancer Insurance is for those who experience a positive diagnosis of cancer. It offers cash benefits not only for covered cancer treatments received but can also help with everyday costs. Cancer insurance can help cover a wide variety of cancer treatments - both preventative and urgent. Cancer treatment costs with insurance can be much more manageable with a good policy in place.

Lump-Sum Critical Illness Insurance is for those who experience a life-changing event, like a heart attack or stroke. It offers lump-sum cash benefits that can be used however you decide - from helping with everyday bills to surgery. These plans may help provide coverage for diseases that aren't covered by our cancer/specified disease insurance policies.

How Much Does Critical Illness Insurance Cost?

If you become seriously ill, your focus should be on your health – not on the health of your bank account. Critical Illness Insurance helps you concentrate on what’s important: getting well.

We offer cancer and critical illness insurance policies with rates as low as $35 per month. Combine elements of both policies for about $50 per month.

Wise Owl Insurance Agency - Understanding Supplemental Health Insurance

Download this Free Guide

Empower yourself with our complimentary 'Understanding Supplemental Health Insurance' guide. Gain clarity on how supplemental insurance complements your existing health plan, providing crucial financial support for unforeseen medical out-of-pocket expenses. This guide equips you with the knowledge needed to make informed decisions about your health and financial security. Take the first step towards peace of mind by immersing yourself in this essential booklet today.