Cancer & critical illness
A lump sum on diagnosis, to cover the lost income and the bills. No restriction on how you spend it.
Book a meeting
Cancer, heart attack, stroke. Survival rates have improved, but the cost of getting there (treatment, care, and the income you stop earning) is more than health insurance was built to carry.
Why health insurance leaves a gap
Health coverage pays much of the hospital bill, not all of it. Newer treatments, long rehabilitation and in-home care come with deductibles, co-pays and a good deal besides. And the larger problem is the income that stops while you are being treated.
American Cancer Society research describes the financial toxicity a diagnosis brings, and links it to people abandoning treatment or accepting a lower standard of care.
The money is yours to direct
The lump sum arrives on diagnosis with no conditions on where it goes.
Replacing income
The mortgage and the bills carry on regardless. It also covers the case where a spouse has to stop working to do the caring.
Deductibles and co-pays
The share health insurance does not pay. You can claim from diagnosis, so it arrives when the costs do.
Everything else
Treatments not covered, hiring a caregiver, travel and lodging near the hospital, adapting the house. Whatever recovery actually requires.
What is covered and how much differs by contract, and the application is medically underwritten.
Financial Planning & Insurance
Living benefits Draw on the death benefit early when serious illness arrives. While you are living, for you.
IRA rollover Gather the accounts left at former employers into one, and take control of how they are invested.
Roth IRA conversion Pay the tax now so withdrawals later are free of it. It does not suit everyone.
Life insurance Coverage for the people left behind, plus benefits you use while living and money toward retirement.