What these products are for
Accident coverage may pay scheduled benefits for covered injuries and treatment. Critical illness coverage may pay a lump sum or defined benefit for covered diagnoses such as certain cancers, heart attack or stroke.
How benefits may help
Depending on the policy, benefits may be paid to you and can help with deductibles, transportation, household bills or time away from work.
What to examine closely
- Covered events, definitions and benefit schedule.
- Exclusions, pre-existing-condition provisions and waiting periods.
- Whether benefits reduce or can be paid more than once.
- Age reductions, renewability and claim documentation.
Supplemental—not a substitute: accident and critical illness insurance do not replace comprehensive major medical coverage and only pay under the contract’s definitions.
See what supplemental protection may fit.
Ask Shane to explain covered events and benefit schedules before you apply.