Critical Illness Insurance

A Diagnosis Shouldn't
Destroy Your Finances

Cancer, heart attack, and stroke are the three leading causes of death and serious illness in the United States. Even with excellent Medicare coverage, the indirect costs — lost income, travel to treatment centers, home modifications, family caregiving — can be devastating. Critical illness insurance pays you cash directly.

Learn About My Options

Or call (813) 454-0108

Cancer, heart attack and stroke coverage

1 in 2

Americans will be diagnosed with cancer in their lifetime

~805,000

Heart attacks occur in the US every year

$42,000+

Average out-of-pocket cost for cancer treatment

How It Works

Simple: Diagnosis → Cash Payment

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You enroll in a policy

Choose a coverage amount (typically $10,000–$100,000+) that fits your budget. Premiums are usually very affordable — often $30–$100/month.

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You receive a diagnosis

If you are diagnosed with a covered condition — cancer, heart attack, stroke, or other listed illnesses — your policy is triggered.

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You receive a lump sum

The insurance company pays your benefit amount directly to YOU — not to your doctor or hospital. You use it however you choose.

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You focus on recovery

Pay bills, cover lost income, travel for treatment, hire a caregiver, or take a family vacation during remission. The money is yours, no restrictions.

The Hidden Costs

Medicare Covers Medical Bills.
Not Everything Else.

Medicare and Medicare Supplement plans do an excellent job covering your doctors and hospital stays. But a serious illness creates a wave of expenses that no health plan covers:

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Travel to treatment centers

Specialized cancer or cardiac care often requires travel — flights, hotels, and meals for you and a caregiver.

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Home modifications

Ramps, grab bars, hospital beds, and other home adaptations after a stroke or heart surgery.

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In-home caregiving

Professional caregivers or paying a family member to take time off work to care for you.

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Lost income

If you or your spouse still work, serious illness often means weeks or months away from work.

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Non-covered treatments

Experimental treatments, integrative therapies, clinical trials, and supplements not covered by insurance.

Covered Conditions

What Policies Typically Cover

Cancer (all types)

Heart attack

Stroke

Heart bypass surgery

Kidney failure

Major organ transplant

Paralysis

Coma

Loss of limb

Blindness

Deafness

Alzheimer's disease (some plans)

Parkinson's disease (some plans)

ALS / Lou Gehrig's disease

Coverage varies by policy. Our agents will review the exact terms of each plan with you.

Prepare Before a Crisis, Not During

Critical illness insurance is most affordable and easiest to qualify for when you're healthy. Call us today for options.

Call (813) 454-0108

A Diagnosis Shouldn'tDestroy Your Finances