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Critical Illness Insurance

Reduce the unexpected financial impact of a critical illness on your family and help protect your financial future with supplemental critical illness coverage.
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800-647-9094

Hours of Operation (CT)
Mon - Thurs: 7 a.m. - 8 p.m.
Fri: 7 a.m. - 7 p.m.

Term Life-Critical Illness starts at:
$ 14 70
per month

Cancer and Heart/ Stroke starts at:
$ 10 98
per month

Let us help you find the right plan for your situation.

Talk to an Assurant Health sales expert at 800-647-9094

Critical Illness insurance overview

Sometimes in life, the unexpected happens


A supplemental critical illness plan can help you protect yourself and your family from the unexpected cost of fighting a life-threatening illness.

You'll receive a lump-sum cash payment upon diagnosis of a covered condition and these plans will provide benefits in addition to your other coverage.

Plan features


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A range of benefit levels, so you can choose what works best for you and your family
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No network restrictions — visit any doctor or hospital
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Benefits that pay over and above any benefits your current health plan pays

Is critical illness insurance for me?


Critical illness insurance can help fill in gaps that your primary health plan may not:
  • Deductible and coinsurance
  • Out-of-network costs
  • Travel to the best doctors and facilities
  • Other treatments that your plan may not cover

Common questions


Read all questions

Find the plan that fits your needs


Get a quote for plans and pricing in your area

Talk to an Assurant Health sales expert by calling 800-647-9094.


Note: THESE PLANS PROVIDE LIMITED BENEFITS and are not minimum essential coverage.1

How the plans work

Assurant Health offers affordable and flexible options in critical illness coverage.
  • Term Life-Critical Illness insurance
  • Cancer and Heart/Stroke insurance

Each plan pays cash benefits to help you manage expenses. You can also choose the range of conditions you want covered and the benefit level that best fits your needs.


Term Life-Critical Illness coverage


This option gives you critical illness coverage and term life coverage all in one convenient plan — choose from a wide range of benefit levels to fit your specific needs.

If you're diagnosed with a covered critical illness, this plan pays cash right to you, and you can use that cash any way you want, whether it's to pay medical expenses, replenish lost income or help meet other needs.

The Term Life-Critical Illness plan covers you based on two types of events:
  1. Upon the diagnosis of a covered illness, you receive a critical illness benefit.
  2. In the event of a death, your family receives a term life benefit.

Cancer and Heart/Stroke coverage


With focused coverage on select critical illnesses for affordability, this plan pays you cash benefits if you are diagnosed with a life-threatening illness like cancer, a heart attack, or a stroke.

These benefits are paid to you upon diagnosis, when you need them the most, so you can concentrate on recovering without having to worry about bills piling up.

Critical Illness plan details

We want you to understand how each critical illness plan works, so you can make a more informed decision about coverage for yourself and your family. There are differences between the coverage each critical illness plan provides. Get a quote to learn more about the details of what each plan covers.


Term Life-Critical Illness coverage


This plan covers 15 critical illnesses2 and offers multiple payouts in the event of more than one diagnosis. Certain critical illnesses are covered at 100%, others are covered at 25%. When a full or partial critical illness benefit is paid, those benefits, along with the term life benefit, are reduced accordingly. If the policy remains in force with reduced benefits, the monthly premium is also reduced.

Coverage Options:
  • Benefit levels: choose from an amount ranging from $5,000 to $100,000, available in increments of $1,000.
  • Term life benefit: choose from 50%, 100% or 200% of your critical illness benefit — payable up to age 80.3
  • Policy term (length of your coverage): choose between 10 or 20 years.
  • Issue age: plans can be issued to those falling between 18 and 59 years old at the time of purchase (includes primary and spouse).


Cancer and Heart/Stroke coverage


Focused on affordable coverage for specific critical illnesses, this plan lets you select coverage for Cancer only, Heart/Stroke only, or both Cancer and Heart/Stroke. Depending on your selection of covered illnesses, you will get cash benefits for the following life-threatening diagnoses:
  • Life-threatening cancer: 100% of selected benefit level.
  • Coronary artery disease or cardiac arrhythmia resulting in heart attack: 100% of selected benefit level.
  • Coronary artery disease or cardiac arrhythmia resulting in coronary artery bypass: 25% of selected benefit level.
  • Coronary artery disease resulting in coronary angioplasty: 10% of selected benefit level.
  • Cerebrovascular disease resulting in stroke: 100% of selected benefit level.

Once you choose which illnesses you want to cover, you can select a benefit level ranging from $10,000 to $75,000 in coverage.4

Other important information

  • Coverage for Term Life-Critical Illness insurance will be terminated and your premium returned if you are diagnosed with cancer within 90 days (30 days in IL and MD) of your plan effective date or if any other listed condition is first diagnosed within 30 days of your plan effective date.
  • These plans are not available in all states, and benefits may vary by state. Get a quote to learn which plans are available in your state.

Critical Illness plan options

 

Cancer and Heart/Stroke

Example plan ($25,000 benefit):$1098per month

Get a Quote

 

Term Life-Critical Illness

Example plan ($25,000 benefit):$1470per month

Get a Quote
Plan type
Focused coverage on select critical illnesses for affordability. 

Flexible plan design: Cancer and Heart/Stroke, Cancer only or Heart/Stroke only.
Covers 15 critical illnesses.2

Includes a term-life insurance benefit.
Cancer coverage
Heart attack and stroke coverage

Other critical illness coverage
Benefit level options
$10,000 to $75,000
$5,000 to $100,000
Coverage for individuals and spouses

Coverage for children

Example plan ($25,000 benefit):$1098per month

Get a Quote

Example plan ($25,000 benefit):$1470per month

Get a Quote

Plan limitations and exclusions

These plans include limitations and exclusions.


As you select a plan, please check the specific benefits, limitations and exclusions listed as these may vary by state. To learn more about these plans, get a quote or talk to an Assurant Health sales expert.

THESE PLANS PROVIDE LIMITED BENEFITS.
Disclaimers
  • Term Life-Critical Illness plans and Cancer and Heart/Stroke plans are designed to provide extra benefits in the event of a diagnosis of a critical illness and do not provide comprehensive health (major medical) insurance or satisfy the government's requirements for minimum essential coverage.
  • In Maryland, Term Life-Critical Illness covers 12 critical illnesses. In Virginia, Term Life-Critical Illness covers 7 critical illnesses.
  • In Illinois, Term Life Benefit options are 150% or 200% of the critical illness benefit.
  • Premiums vary with the benefit level selected.
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