Peace of mind like. . .

What if when you get diagnosed with a major illness you had enough money to - 

  • pay your mortgage payment for two years
  • replace your income for one year

How much would that peace of mind be worth?

CA & AZ Insurance

Health Insurance for self employed agent

Rachel Romero - your benefits specialist

800-604-3035

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CA License 0G9909 & licensed in AZ & other States coming soon!

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Critical Illness Coverage gives you additional peace of mind

Being diagnosed with a critical illness like cancer or having a stroke or heart attack is a major tragic event in one's life.  Fortunately, we all know people that have survived these illnesses - especially with advances in medicine. Unfortunately - critical illnesses can create financial ruin.  Critical illness coverage can help provide peace of mind in the event of major illnesses.

Critical illness coverage provides a lump sum payment in the event of a critical illness diagnosis regardless of major medical plan, treatment, actual expenses or other insurance coverage. 

  • Provides financial relief:
    • Covers indirect cost of critical illness (travel, hotel, etc.).
    • Fills the void of deductible and co-insurance.
    • Could provide funds for alternative treatment not covered by insurance.
  • Pays cash directly to the insured.
  • Give you rate stability because it is built on a level term life insurance policy.
  • Can function as a disability income supplement.

Critical Illness Coverage benefits

We recommend Guarantee Trust Life Insurance company's Critical Provider plan which pays a percentage of the term life insurance policy (minimum benefit $10,000 - maximum $100,000) benefit for the following covered conditions:

Condition

Full Benefit Option

Limited Benefit Option

Cancer

100%

50%

Heart Attack

100%

50%

Stroke

100%

50%

Coronary Bypass Surgery

100%

50%

Kidney Failure

100%

50%

Major Organ Transplant

100%

50%

Coma

100%

50%

Paralysis

100%

50%

Blindness

100%

50%

Terminal Illness

75%

37.5%

Nursing Home Confinement

75%

37.5%

Benign Brain Tumor

25%

12.5%

Alzheimer’s Disease

25%

12.5%

HIV Infection from Blood Transfusion

25%

12.5%

Parkinson’s Disease

25%

12.5%

Aorta Graft Surgery

25%

12.5%

Heart Valve Replacement or Repair

25%

12.5%

Coronary Angioplasty

10%

5%

*All above conditions are one-time pay only - subject to undewriting, conditions and not available in all states - to apply call 800-604-3035

Critical Illness Plan Quote

Facts

  • Cancer - men have a 1 in 2 chances of developing cancer - women 1 in 3 sometime in their life.*
  • Stroke is the leading cause of long term disability.**
  • 33% of families deplete all or most of their savings do so because of a serious illness.***
  • Of the 2.2 million Americans that filed bankrutcy in 2001 - nearly 76% had insurance at the beginning of their illness.****

Critical Illness Coverage offered by

Critical illness carrier

*American Cancer Society. Cancer Facts & Figures 2008. Atlanta: American Cancer Society; 2008.
**Centers for Disease Control and Prevention, “Stroke Fact Sheet,” Division for Heart Disease and Stroke Prevention. http://www.cdc.gov/DHDSP/library/fs_stroke.htm, accessed November 2008.
***Himmelstein, D.E. Warren, D. Thorne, and S. Woollander, “Illness and Injury as Contributors to Bankruptcy.”  Health Affairs Exclusive.  W5-63, 02 February, 2005.
****LIMRA MarketFacts, Spring 2002. “Critical Illness Insurance: A Lump-Sum Review.”