Protective Life CRITICALanswer

What is Critical Illness?

• A critical illness is a health-related condition -- such as a heart attack, stroke, invasive cancer or cancer in situ, major burns, and a number of other conditions -- where the patient has a good chance of surviving.  Critical illness insurance, such as CRITICALanswer, provides a lump-sum cash benefit payable to the policy owner upon first diagnosis of a covered condition.

Covered Conditions

• Heart Attack
• Stroke
• Invasive Cancer
• Major Organ Transplant
• End-Stage Renal Failure
• Alzheimer's
• Blindness
• Deafness, etc.

Critical illness insurance can help ensure that you and your loved ones will have monetary resources in the event of a critical illness to help cover mortgage payments, out-of-pocket medical expenses or medical treatments from out-of-network specialists, and necessary home renovations -- resources to spend any way you wish.

Multiple Payment Benefit Feature

Perhaps one of the most significant features of CRITICALanswer is the Multiple Payment Benefit.  After diagnosis of a covered critical illness, even after payment of an initial claim, if you wish to keep coverage in force by continuing to pay premiums, this feature allows for multiple payments from three categories of covered conditions without further evidence of insurability or additional underwriting.  You can receive a benefit payment on a second or even a third covered condition The total of the benefit payments can be up to three times the initial benefit amount.  This feature is an inherent benefit of the policy and is provided at no additional cost.

Critical Illness Categories

Category 1

• Heart Attack, Stroke
• Major Organ Transplant
• Coronary Bypass Surgery, Angioplasty

Category 2

• Invasive Cancer
• Cancer in Situ

Category 3

• Major Organ Transplant
• Alzheimer's Disease
• Blindness, Deafness
• Paralysis, Major Burns

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If you would like Hatcher & Associates to send you out more infomation, application packet, please call us at (888) 925-3874.  We can provide quotes to you over the phone and answer any questions.