Why It Matters
Receive a one-time cash payment upon diagnosis of a covered critical illness. Use the money however you need.
Protection for cancer, heart attack, stroke, kidney failure, major organ transplant, paralysis, and more.
Use funds for medical bills, lost income, travel for treatment, experimental therapies, or everyday expenses.
Works with your health insurance to cover deductibles, copays, and non-medical expenses during treatment.
Benefits are typically paid within days of diagnosis, when you need financial support most.
Reduce financial stress so you can focus on treatment and healing. Money brings options and peace of mind.
How It Works
Meet with Alek Mires to review your health coverage, deductibles, and what a few months off work would really cost.
We'll compare standalone critical illness plans and living-benefit riders attached to life policies.
A short health questionnaire is usually all that's required. Decisions often come back within days.
Once approved, a covered diagnosis triggers a tax-free lump sum — paid directly to you, not a provider.
Coverage Details
Questions
Health insurance pays providers for treatment. It doesn't cover your deductible, lost wages, travel to a specialist, childcare, or the mortgage while you recover. Critical illness pays you cash for exactly those gaps.
Most plans cover cancer, heart attack, stroke, kidney failure, major organ transplant, and paralysis. Broader plans add conditions like ALS, MS, and coronary bypass. We'll walk you through the exact list before you buy.
Benefits from a policy you paid for with after-tax dollars are generally received tax-free. We'll flag any exception that applies to your situation.
Some policies pay a single lump sum and terminate; others allow multiple claims for unrelated conditions or partial payouts for less severe diagnoses. This is a key difference between carriers.
A living-benefits rider on a life insurance policy is often included at little or no extra cost, but it accelerates your death benefit. A standalone policy leaves your life coverage intact. Many families use both.
Most policies have a short waiting period after issue (often 30 days) and a survival period after diagnosis (typically 14–30 days) before benefits are paid.
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Your paycheck funds every other asset you own. What protects the paycheck?
Learn MoreThe most coverage per dollar — often $500K for the price of a phone bill.
Learn MorePermanent coverage that flexes with your income — and builds cash value while it waits.
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