Covered diagnoses
Review the policy definitions for cancer, heart attack, stroke, and other listed conditions.
CRITICAL ILLNESS
Coverage designed to provide additional financial support after a covered diagnosis.
Critical illness policies may pay a lump-sum or scheduled benefit after certain covered conditions are diagnosed, subject to policy terms.
WHAT TO CONSIDER
Focus on policy definitions, not just the benefit amount.
A licensed agent can help explain which conditions are covered and what requirements must be met before a benefit is payable.
Benefit structure
Compare lump-sum amounts, partial benefits, recurrence benefits, and maximum payouts.
Policy limitations
Check waiting periods, exclusions, survival requirements, and pre-existing-condition rules.