Critical Illness Insurance

Because getting better shouldn't mean falling behind.

A serious illness can affect more than your health. It can also mean time away from work, unexpected expenses and everyday bills that don't stop while you recover.

Critical illness insurance provides a cash benefit if you're diagnosed with one of the illnesses covered by your policy. The money is paid directly to you, giving you additional financial support when you may need it most.

It doesn't replace your health insurance. It works alongside it.

That extra financial support can help with more than medical bills.

How It Works

Covers Serious Illnesses

If you're diagnosed with an illness covered by your policy, you receive a cash benefit based on your coverage and the illness diagnosed.

Covers Serious Illnesses

Coverage includes serious illnesses and medical events such as cancer, heart attack, stroke, advanced Alzheimer’s disease, and more.

You Decide How To Use It

Covers Serious Illnesses

You Decide How To Use It

Benefits are paid directly to you. Use the money where you need it most—from everyday bills to expenses that come with treatment and recovery.

Coverage Designed To Be Simple

Easy to Apply for

Choose the Coverage That Fits

For the most common coverage amounts, applying is simple with no medical exams or tests required.

Choose the Coverage That Fits

Benefit amounts that fit your needs, priorities and budget, giving you the flexibility to select the level of protection that's right for you.

Cash Paid Directly to You

Choose the Coverage That Fits

Cash Paid Directly to You

Benefits are paid directly to you, giving you the flexibility to use the money where it's needed most.

What Does Critical Illness Insurance Cover?

Coverage can provide benefits for a range of serious illnesses and medical events. With this policy, covered conditions include:

Heart attack • Coronary artery bypass surgery • Angioplasty • Stroke • Invasive cancer • Non-invasive cancer • Kidney (renal) failure • Major organ transplant • Advanced Alzheimer’s disease • Paralysis • Coma

Want to expand your coverage?

An optional rider can add coverage for several additional serious conditions:

Advanced Parkinson's Disease • Loss of Sight • Loss of Hearing • Benign Brain Tumor • Severe Burns

Your policy outlines the benefit available for each covered condition, so you'll know what your coverage provides.

Quote Now - Apply Now

What Could Critical Illness Look Like In Real Life?

A serious diagnosis can affect more than your health. Time away from work, deductibles and everyday expenses can all become part of the financial picture. Here's one example of how someone might use critical illness insurance to help prepare for that possibility.

Sara, 41

Married with two school-aged daughters

Teacher earning $58,000/year

Covered by a high-deductible health plan

"I saw my parents struggle to make ends meet after my father’s heart attack. I want to plan ahead.”

CRITICAL ILLNESS INSURANCE

$75,000 benefit

About $65 a month

Important Disclosure Information

NOT AVAILABLE IN NEW YORK.

CRITICAL ILLNESS INSURANCE PROVIDES LIMITED BENEFIT COVERAGE. It is not a comprehensive major medical plan or Medicare supplement policy.

This policy may contain reductions of benefits, limitations and exclusions. For costs and complete details of the coverage, please contact your insurance representative or Assurity to review the policy for more information.

Specified Disease Insurance Limitations and Exclusions

Pre-existing Condition – Assurity will not pay benefits for a specified disease that is caused by a pre-existing condition until after the policy has been in force for six months from the Issue date.

Exclusions – Assurity will not pay benefits for conditions that are caused by or are the result of the insured person: being exposed to war or any act of war, declared or undeclared; serving in the armed forces or units auxiliary thereto; being addicted to drugs or suffering from alcoholism; participating in a felony, riot or insurrection; engaging in aviation, other than as a fare-paying passenger on a scheduled or charter flight operated by a scheduled airline; intentionally self-inflicting an injury; or committing or attempting to commit suicide.

CRITICAL ILLNESS INSURANCE (SPECIFIED DISEASE INSURANCE) PROVIDES LIMITED BENEFIT COVERAGE. It is not a comprehensive major medical plan or Medicare supplement policy. The description of benefits is intended only to highlight the insured’s benefits and should not be relied upon to fully determine coverage. If this description conflicts in any way with the terms of the policy, the terms of the policy prevail.

Critical Illness Insurance (SPECIFIED DISEASE INSURANCE) does not cover the diagnosis or treatment of COVID-19.

Circular 230 Disclosure: Any U.S. tax information contained in this communication is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or recommending to another party any matters addressed herein.

Policy Form No. I H1820 underwritten by Assurity Life Insurance Company, Lincoln, NE. Policy Form No. I H1820 (NY) underwritten by Assurity Life Insurance Company of New York, Albany, NY.

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.

1 For a list of specific covered conditions, percentage of benefit payable and details, as well as all limitations and exclusions, please refer to the actual policy. Heart attack does not include established (old) myocardial infarction occurring prior to the issue date, sudden cardiac arrest, cardiac arrest or cardiopulmonary arrest.

2 Base policy provides a $75,000 lump-sum benefit, based on a 41-year-old, non-smoking female earning $58,000 annually, total monthly premium $65.47

Critical Illness Insurance

Because getting better shouldn't mean falling behind.

How It Works

Covers Serious Illnesses

Covers Serious Illnesses

Covers Serious Illnesses

Covers Serious Illnesses

Covers Serious Illnesses

You Decide How To Use It

Covers Serious Illnesses

You Decide How To Use It

Coverage Designed To Be Simple

Easy to Apply for

Choose the Coverage That Fits

Choose the Coverage That Fits

Choose the Coverage That Fits

Choose the Coverage That Fits

Choose the Coverage That Fits

Cash Paid Directly to You

Choose the Coverage That Fits

Cash Paid Directly to You

What Does Critical Illness Insurance Cover?

What Could Critical Illness Look Like In Real Life?

A serious diagnosis can affect more than your health. Time away from work, deductibles and everyday expenses can all become part of the financial picture. Here's one example of how someone might use critical illness insurance to help prepare for that possibility.

Sara, 41

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