With all the health insurance products out there, it can be difficult to determine what supplemental insurance products you should invest in.

We understand that securing your family’s financial stability is your priority. Critical Illness Insurance prepares you and your family from unforeseen health problems that may become a financial burden on you in the future.

To ensure that your family is fully prepared for possible illnesses that may impact your ability to work and increase your expenses, you should consider opting for Critical Illness Insurance.

How It Works

Critical Illness Insurance, sometimes called critical care insurance is a an insurance policy that give the policy holder a lump sum payment after he or she has been diagnosed with a serious illness mentioned on the insurance policy. The listed illnesses usually consist of either debilitating diseases or illnesses that leave the policyholder impaired in some way.

Depending on the policyholder’s condition and recommended medical treatment, critical insurance policies can also be structured to offer serial payments as opposed to a lump sum of cash. If needed, the policy can be structured to compensate for a surgical procedure the policy holder may be undergoing such as an open-heart surgery, for example.

You also arrange the policy so it pays out income on regular basis.

Conditions that are typically covered by Critical Illness Insurance policies:

  • Alzheimer's disease
  • Blindness
  • Deafness
  • HIV/AIDS contracted by blood transfusion or during an operation
  • Kidney failure
  • Multiple sclerosis
  • Organ transplant
  • Paralysis of limb
  • Parkinson's disease
  • Terminal illness

Getting Critical Illness Insurance makes most sense when you have a family history of diabetes, heart disease, cancer or other major genetic illnesses.

IFG Insurance Brokerage can offer you a critical insurance policy that is tailored to your needs.

Get in touch with us to find out more about our critical illness coverage.

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    The IFG Insurance Brokerage Three Step Process


    In our first meeting, we’ll get to know each other. We will talk about what your financial objectives are, and what it is that you’d like to accomplish with your financial plan. We will also share a little bit about our financial planning strategies and what we can do to help you achieve your goals.

    Building Your Plan

    In our next meeting, we will begin building your plan. We will cover Social Security, Pensions, 401k’s, and Medicare, as well as your lifestyle and other factors that can affect your retirement income. We will also discuss how to protect your financial future from unexpected expenses and life events.

    Proactive Management

    As life changes, so should your plans. We will meet with you on a regular basis to re-evaluate your financial plan and make adjustments as necessary. We will work hard to ensure that you are always on target to achieve all your financial goals and objectives.