Critical illness insurance can pay a lump-sum benefit at the diagnosis of a covered illness-from $5,000 to $30,000-and you can use the money in any way you see fit to cover medical and non-medical costs associated with your illness. Examples of covered conditions include the following: heart attack, major organ failure, kidney failure, stroke, cancer and more. Family coverage is available.

Benefits are paid directly to the insured unless specified. Base coverage is guaranteed renewable, as long as premiums are paid when they are due.