Stand Alone Cancer, Heart Attack & Stroke and/or all 3 Insurance

When you are talking to clients about health care cost concerns many will express concern over one more of the "Big 3" Cancer, Heart Attack & Stroke Insurance.  Granted we have comprehensive Critical Illness Insurance but sometimes keeping it simple keeps it more affordable and makes the buying decision easier for your client.

New Beginnings is designed so that People Can Focus on Getting Well!  When someone receives a cancer diagnosis or suffers a heart attack or stroke, the last thing they need is to worry about how to pay their bills. Cancer, heart attack and stroke insurance is designed to provide a lump-sum cash benefit that can be used for medical and non-medical expenses.  So the insured can focus on getting well!

Stand Alone Cancer Insurance Product Overview
Upon diagnosis of cancer (internal cancer or malignant melanoma), the insured will receive a lump-sum payment of 100 percent of the benefit amount selected. Once the benefit has been paid, the policy will end, unless benefits continue under an attached rider.

• Issue Age – 18 to 99
  
• Dependent Children – Dependent children are eligible for coverage through age 25 or until date of marriage, whichever occurs first.
  
• Family Coverage – Either partner on a family plan may be the primary insured. Premiums will be based on the age of the oldest insured.
  
• 30-Day Waiting Period – A 30-day waiting period begins on the policy effective date.
• Guaranteed Renewable – The coverage is guaranteed renewable for life or until the end of the term period.

Heart Attack & Stoke Insurance Product Overview
Upon diagnosis of heart attack or stroke or the performance of coronary angioplasty surgery or coronary artery bypass surgery, the insured will receive a percentage of the benefit amount selected in a lump-sum payment:

• 100 percent face amount payout for heart attack or stroke
• 25 percent face amount payout for coronary angioplasty surgery or coronary artery bypass surgery (payable once) 
• Issue Age – 18 to 99.
• Dependent Children – Dependent children are eligible for coverage through age 25 or until date of marriage, whichever occurs first.
• Family Coverage – Either partner on a family plan may be the primary insured. Premiums will be based on the age of the oldest insured.
• Guaranteed Renewable – The coverage is guaranteed renewable for life or until the end of the term period.
  

Combine all 3 into one policy as well!

A lump-sum cash benefit is payable upon diagnosis of cancer, heart attack or stroke and can be used any way the client chooses. Extra cash that can help:

• Replace lost income while off work
• Pay ongoing expenses, like mortgage payments, groceries and utilities
• Pay health insurance deductibles and co-payments
• Hire home health care or child care services
• Travel to receive treatment