Cancer, Heart Attack & Stroke Insurance

To begin with, this application and underwriting does not ask family history or hold it against the applicant. 
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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 lump-sum cash benefits that can be used for medical and non-medical expenses.  So the insured can focus on getting well!

Check out of how a Texas Policy works for your clients?  Click Here for a Specimen Policy to Review.

KEY POINT: Underwriting does not ask family history or hold it against the applicant for the Cancer, Heart Attack & Stroke policy!

Stand Alone Cancer 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 89
• 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 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