Medical Insurance May Not Be Enough; Critical Illness Insurance Can Help

In today’s market, your employees are likely experiencing rising deductibles every year. The out of pocket costs from a major critical illness such as a heart attack, stroke, or cancer can be financially devastating.¹

AF^™ Limited Benefit Critical Illness Insurance is designed to pay a lump-sum benefit directly to your employees if they’re diagnosed with one of the life-altering illnesses covered in the critical illness group policy. They can use these benefits to help pay for deductibles, copayments, aftercare, everyday living expenses, or even lost income while they’re away from work recovering.

FEATURES:

Simplified Underwriting
No medical exams required. Only minimal health questions are asked.

Health Screening
Pays a benefit of $50 to help cover annual health screens. This benefit also qualifies for our AFQuickClaims^TM processing.

Lump Sum Benefit
Many benefits are paid as a lump sum, so your employees can decide how these funds will be utilized.

Recurrent Diagnosis Benefit
Upon a second occurrence of certain illnesses, this benefit pays 50% of the amount previously paid under the policy.

These products may contain limitations, exclusions and waiting periods. This product is inappropriate for people who are eligible for Medicaid coverage. Group Critical Illness is only offered on an after-tax basis.

¹Voluntary Benefits Magazine: Critical Illness Can Spell Financial Problems; August 25, 2015.

ESB-6742-0818