Critical illness can be a life-changing event. Even though your odds of surviving cancer, a heart attack or stroke are getting better, unexpected expenses that inevitably accompany those conditions can devastate your long-term financial well-being.
That’s where CriticalCare Plus can help. Upon diagnosis of a critical illness, your policy pays a single, lump-sum benefit of up to $500,000 — directly to you. You’ll be able to use these funds as you see fit, regardless of what your other insurance may cover. Use it for deductibles, childcare, out-of-network medical costs, alternative treatment, lost income or just financial relief — items not typically covered by traditional health insurance.
Henry is a fireman with CriticalCare Plus illness insurance supplementing his health insurance. Should a critical illness strike, he’ll be able to protect himself and his family … and unlike standard disability, there’s no lengthy waiting period to take effect.
- Benefits: pays a tax-free (based on current federal income tax laws) single-payment benefit of up to $500,000 directly to the policyholder, regardless of what is covered by other sources.
- Critical Illness Coverage: a broad range of lifestyle-changing conditions including cancer, heart attack, stroke, kidney failure, coma, severe burns, paralysis, coronary-artery bypass, major organ transplant, loss of independent living, sight, speech or hearing.
- Loss of Independent Living Benefit: kicks in when you’re unable to perform at least two of six activities of daily living: bathing, dressing, toileting, transferring, continence and eating.
- Spouse and Children: can be covered on the same policy.
- Preventive Care Benefit: pays up to $50 a year for a wide variety of medical tests
- Free membership in Best Doctors®2 referral service: a network of 40,000 specialists who can provide second opinions on your diagnosis and treatment plans. Learn more about best doctors. (link to pdf).
- Return of Premium Feature3: premiums paid under this policy may be returned to the policy owner upon death of the insured. The amount refunded will be equal to the total premium paid from the original effective date less any benefits previously paid under the policy.
- Issue ages: 18 to 64, 59 for smokers and for the 10-year plan.
- Underwriting: full, for amounts over $100,000; non-medical, up to $100,000.
- Five Coverage Plans: A lifetime plan and four term plans—10-year, 15-year, 20-year and 30-year terms.
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- The Benefit Extension Rider5 provides coverage for additional diagnoses of a critical illness and delivers benefits beyond that of the base policy for:
- a critical illness that is different from all previously diagnosed critical illnesses; or
- a critical illness that is the same as a previously diagnosed critical illness; can provide benefits upon a second or third diagnosis.
- The Medical Personnel HIV Rider pays the full benefit to a medical professional upon diagnosis of HIV acquired in the course of work-related duties.
- The Accidental Death and Dismemberment Rider pays an additional lump-sum cash benefit in the event of an accidental dismemberment or loss of life.
1Comprehensive medical coverage may be required in some states in order to apply for or maintain this policy.
2Best Doctors is a registered trademark of Best Doctors, Inc., in the United States and other countries, and it is used under license.
3The return of premium provision does not directly take into account the time value of money or the effects of inflation. This was taken into account when the premiums were determined.
4There may be a charge for each rider selected. See the rider for details regarding the benefit descriptions, limitations and exclusions.
5The Benefit Extension Rider is not available in Virginia and does not provide coverage for every illness covered by the base policy.
Important Note: All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. Not all benefits and exclusions apply in every state. Please consult the policy form and outline of coverage for details. There may be a charge for each rider selected. See the rider for details regarding the benefit descriptions, limitations and exclusions.
Policy issued by:
2727-A Allen Parkway, Houston, TX 77019
CriticalCare Plus Policy Form Number 05130
Benefit Extension Rider Form Number 05137
Medical Personnel HIV Rider Form Number 05139
Accidental Death and Dismemberment Rider Form Number 05138
The underwriting risks, financial and contractual obligations and support functions associated with the products issued by American General Life Insurance Company (AGL) are its responsibility. AGL does not solicit business in the state of New York. Policies and riders not available in all states.
American General Life Companies, www.americangeneral.com, is the marketing name for a group of affiliated domestic life insurers including AGL.
