What is Critical Illness Insurance?
Critical Illness insurance is a form of supplemental health insurance that provides lump sum cash benefits should you be diagnosed with a covered critical health condition. Critical Illnesses are generally life threatening but survival rates have been steadily increasing. Critical Illness insurance was created by Dr. Marius Barnard, one of the surgeons that performed the first heart transplant, when he realized the financial strain on his patients during the recovery period was impacting their recovery.

Why do I need Critical Illness Insurance?
When someone is diagnosed as having a critical illness it often means they are unable to work or simply may not want to work any longer. In this scenario, many people find the need for money is just as demanding and sometimes can become greater. There are other expenses such as deductibles, co-pays, drugs, and home health care that may compound the situation.

Cash Advantage Critical Illness insurance helps families with the cost of recovery when a health event occurs to a covered family member but how you use the cash benefit is up to you. A quality critical illness policy can:

1. Help you preserve your financial independence and avoid relying on family or friends for support
2. Help protect from the premature use of savings and investments.
3. Help keep your options open when care is needed by helping to provide funds necessary to pay for care in the setting you desire.

Cash Advantage pays a lump sum cash benefit if you are diagnosed with any of 15 different critical illnesses listed in the policy. The best part of Cash Advantage is you can use the lump sum benefit in any way you see fit.

This policy is guaranteed renewable to age 75. Premium rates may be changed on a premium class basis.

Read Loyal Cash Advantage Exclusions, Limitations, and Reductions.

THIS POLICY PROVIDES LIMITED BENEFITS, which should be used to supplement existing medical coverage.

Ohio Outline of Coverage