critical illness insurance quote
Critical Illness Insurance Quote: Financial Protection When You Need It Most
Are you prepared for the unexpected? UHOne’s Critical Illness insurance provides a lump-sum cash benefit to help cover expenses if you’re diagnosed with a qualifying serious illness. Get a personalized quote and secure your coverage online in minutes.
Why Choose UHOne Critical Illness Insurance?
Lump-Sum Benefit: Receive a cash payment of up to $50,000 upon diagnosis of a covered illness
Flexibility: Use the money as you see fit – medical bills, mortgage payments, or daily expenses
Quick Online Process: Get a quote and purchase coverage entirely online
Tax Advantages: Benefits are typically not taxable
No Medical Exam: Simple application with yes/no questions
How It Works
Choose Your Coverage: Select a Maximum Lifetime Benefit amount up to $50,000
Apply Online: Complete your application securely through our website
Quick Approval: Many applicants receive prompt approval
Covered Conditions
Our Critical Illness insurance plans typically cover:
- Heart attack
- Life-threatening cancer
- Stroke
- Major organ transplant
- Renal failure
- Advanced Alzheimer’s disease
- Paralysis
- Coma
State Availability
UHOne offers Critical Illness insurance in the following states: Arizona, Alabama, Florida, Georgia, New Mexico, New York, North Carolina, Oklahoma, Ohio, Texas, California, and Virginia.
Get Your Free Quote Now
Don’t wait for a critical illness to catch you off guard. Protect your finances today with UHOne Critical Illness insurance.
Frequently Asked Questions
- Q: What is Critical Illness Insurance?
- A: Critical Illness Insurance provides a lump-sum cash benefit if you're diagnosed with a covered serious illness. This coverage helps cover extra expenses associated with a critical illness, allowing you to focus on recovery.
- Q: What conditions are typically covered?
- A: Common covered conditions include:
- Heart attack
- Stroke
- Life-threatening cancer
- Major organ failure
- Kidney failure
- Advanced Alzheimer's disease
- Paralysis
- Coma
- Coverage may vary by plan, so it's important to review the specific conditions covered in your policy.
- Q: How does the benefit payment work?
- A: Upon diagnosis of a covered condition, you receive a lump-sum payment that can be used at your discretion. This payment is typically tax-free and is in addition to any other insurance you may have.
- Q: Is there a waiting period?
- A: Most plans have a 30-day survival period, meaning you must survive for 30 days following the date of diagnosis to be eligible for benefits.
- Q: Can I cover my family members?
- A: Yes, many plans allow you to cover your spouse and dependent children. Typically, spouse coverage is 50% of your elected amount, and child coverage is also 50% of your elected amount.
- Q: Will my premiums increase over time?
- A: Premiums often increase as you age, typically every 10 years, due to the increased risk of critical illnesses. Review your specific policy for details on premium changes.
- Q: How is this different from health insurance or disability insurance?
- A: Critical Illness Insurance provides a lump-sum benefit upon diagnosis, regardless of medical expenses or ability to work. It complements your health and disability insurance by providing additional financial support during a critical illness.
- Q: Are pre-existing conditions covered?
- A: Generally, pre-existing conditions are not covered. However, if you've been cancer-free for a period of time, you may be eligible for benefits if diagnosed with a new cancer. Check your specific policy for details on pre-existing condition coverage.
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Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent