Critical illness insurance pays a lump-sum cash benefit if you’re diagnosed with a covered condition like cancer, heart attack, or stroke — money you can use however you need while you focus on recovery.
No obligation — just a straightforward conversation about how to prepare financially for the “what if” moments none of us plan on.
In a short review, we’ll look at your current coverage, income, and expenses to see how a critical illness plan could help protect your savings and your lifestyle if a serious diagnosis occurs.
Once you complete the short online form, I’ll personally review your details and follow up with options that fit your health, budget, and goals.
Even with good health insurance, a cancer diagnosis, heart attack, or stroke can trigger high out-of-pocket costs and lost income. Critical illness coverage provides extra cash so money doesn’t become one more thing to worry about.
Use your lump-sum benefit to help with deductibles, copays, experimental treatments, travel to specialists, or even home modifications and in-home care.
A serious diagnosis may keep you out of work for weeks or months. Critical illness benefits can help cover your mortgage, rent, and everyday expenses while you recover.
Critical illness insurance doesn’t replace your health plan; it adds a financial safety net on top of it, giving you more flexibility and control when life doesn’t go as planned.
Instead of buying a policy blindly, we’ll walk through how critical illness coverage works and where it could add the most value based on your current situation.
• Families who rely on one or two primary incomes
• Individuals with high-deductible health plans
• People with a family history of cancer, heart disease, or stroke
• Anyone who wants a financial cushion if a serious diagnosis occurs
As an independent advisor, I can compare multiple critical illness carriers and plan designs. My role is to explain how these policies really work, where they help, and where they may not be necessary — so you can make a confident, informed decision without pressure.
By the end of your review, you’ll have a clearer picture of how a critical illness could affect your finances — and whether a lump-sum protection plan makes sense for you.
We’ll estimate potential medical and non-medical expenses based on your current health insurance and income, so you can see your real exposure if something big happens.
We’ll consider your monthly bills, debts, emergency savings, and support system to help you choose a benefit amount that balances protection and affordability.
We’ll go over which critical illnesses are covered, how diagnoses are defined, and any waiting periods or exclusions, so there are no surprises when it matters most.
These examples show how having a critical illness plan in place provided breathing room and peace of mind during some of life’s hardest moments.
“When I was diagnosed with breast cancer, the critical illness policy Chris helped me set up paid a lump sum that covered my deductible, travel to treatment, and some time off work. It was a huge relief.”
“My heart attack was a complete surprise. The critical illness benefit helped us keep up with our mortgage and bills while I recovered. We didn’t have to drain our savings.”
“We added critical illness coverage as an extra layer of protection. Knowing we’d get a lump sum if something serious happened gives us a lot of peace of mind.”
Request your critical illness assessment today and see how a simple, affordable lump-sum protection plan could help you focus on recovery instead of worrying about money.
Get My Critical Illness Assessment