Critical Illness Insurance

Lose your mortgage, not your home!

You could become seriously ill at any time

But you don’t have to face losing your home on top of it. Critical Illness pays an up-front cash benefit up to half a million dollars lump sum plus up to $1500.00 per month upon diagnosis as defined by the policy. The money is yours, free and clear, to use however you wish. It could help pay off your mortgage and help protect your financial future so you can focus on getting well. The coverage and its limits are subject to underwriting approval.


Critical Illnesses happen more often In the United States:

  • Every 40 Seconds Someone Suffers a Stroke.
  • The lifetime cancer risk for women is more than 1-in-3.
  • About Every 34 Seconds Someone Suffers a Heart Attack.
  • Over a lifetime, Nearly 50% of Men Will be Diagnosed with Some Form of Cancer.

The good news is that today more people than ever can survive a critical illness thanks to new developments in both medical science and technology. Although improved medical treatment and survival rates are a good thing, that’s only half the story. Even if you have primary health insurance, there are many expenses that may not be covered.

Here are some things you should consider:

  • Can I afford an unpaid leave of absence from work.
  • Can I afford my deductible and coinsurance payments.
  • Most insurance plans do not cover 100% of all expenses incurred.
  • Does my current insurance cover fees for specialists and experimental treatment.
  • How would I pay my mortgage, rent or car payment if I could not work for a period of time.

What’s So Great About Critical Illness Insurance?

  • Pays a cash lump sum upon diagnosis of a critical illness.
  • Pays in addition to any other insurance you may have.
  • Benefits can be used to pay the following and many more:
    1. Special equipment
    2. Special equipment
    3. Home modifications necessary for recovery
    4. Necessities like mortgage, rent, car payments
    5. Day-to-day living expenses like additional childcare
    6. Coinsurance and deductibles from other insurance plans
    7. Treatment-related travel expenses like parking, food, gas, hotel stays and pet boarding

Here are some of the most common diseases/conditions Critical Illness Insurance may cover:



End-Stage Renal (Kidney) Failure

Heart Attack

Aortic Surgery

Any Major Organ Transplant

Heart Transplant

Coronary Artery Bypass Surgery



Heart Valve Replacement/Repair

Coronary Artery Bypass Surgery





Contact Us

Contact your local insurance agent in Dayton, Ohio, at (937) 867-2368
for a no obligation personal consultation. Or e-mail us at