Life insurance is a powerful way to protect the people you love. Whether you want short-term coverage or lifelong protection with cash value, we help you choose a policy that supports your goals, strengthens financial security, and fits your budget.
Critical Illness
A critical illness can disrupt your life and finances in unexpected ways. This coverage pays a tax-free lump sum after a covered diagnosis, helping you manage medical bills, support recovery, and cover essential expenses with less stress and stronger financial stability.
Support When Needed Most
If diagnosed with an illness like cancer, heart attack, or stroke, critical illness insurance provides a one-time payout you can use for medical bills and household expenses.Flexibility to Use Funds
Unlike many health plans, coverage from a critical illness policy isn’t restricted to provider bills. Use it for transportation, home modifications, or lost income protection.Plan Before It’s Too Late
Enrolling before diagnosis means you’ll likely qualify for better rates and full benefits. Waiting until after a serious illness can limit your options or raise costs.
Protection Beyond Traditional Coverage
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While Medicare provides robust coverage for many medical needs, it often doesn’t offer the financial protection needed when facing a serious diagnosis. That’s where Critical Illness Insurance comes in.
This supplemental coverage offers a lump-sum payment upon diagnosis of a covered condition—such as cancer, heart attack, or stroke—giving you added financial flexibility during a difficult time.
These funds can be used however you choose: covering out-of-pocket medical bills, travel for treatment, household expenses, or even replacing lost income. The goal is simple—helping you stay focused on recovery, not bills.
Commonly Covered Conditions:
- Heart attack
- Stroke
- Cancer
- Major organ transplant
- End-stage kidney failure
Frequently Asked Questions
A serious illness can impact more than your health — it can also create financial stress. Critical illness insurance provides a one-time, tax-free benefit that helps you focus on recovery instead of bills. These FAQs explain how it works and what to expect.
It provides a lump-sum payment if you’re diagnosed with a covered condition such as cancer, heart attack, stroke, or other major illnesses listed in your policy. You decide how to use the funds.
The payout is flexible — you can use it for medical bills, mortgage payments, travel for treatment, or any personal expense while you recover. There are no restrictions on how the money is spent.
Yes. Health insurance may not cover all expenses related to a serious illness, such as lost income, deductibles, or out-of-network treatments. Critical illness coverage helps bridge that gap.
It depends on your financial situation, savings, and family responsibilities. We’ll help you estimate how much protection you need to stay financially secure through recovery.
Meet Your Advisor
At Freddy Fox Financial Solutions, personal guidance comes first.
I’m Julian Craig, an independent and licensed advisor, here to make Medicare, insurance, and retirement planning simple and easy to understand. My goal is to help you feel confident about your future — with clear information, honest advice, and ongoing support.
More Info on Critical Illness
Selecting the right plan depends on your unique health risks, financial goals, and personal preferences. Here are some tips to guide your decision:
- Understand What’s Covered: Review the list of qualifying conditions. Some plans offer broader coverage, while others focus on specific illnesses.
- Know the Waiting Periods: Many policies have a waiting period between enrollment and when coverage begins. Make sure you’re aware of the details.
- Compare Payout Amounts: Consider how much you may need to cover both medical and non-medical expenses. Choose a benefit level that aligns with your risk tolerance and budget.
As we age, the likelihood of developing a serious illness increases. While Medicare covers treatment, it doesn’t always cover all the costs associated with a critical diagnosis—including experimental therapies, travel to specialists, or home modifications.
Key Benefits:
- Lump-sum payment upon diagnosis of a qualifying condition
- Freedom to use the funds however needed
- No restrictions on provider or hospital choice
- Peace of mind for you and your family
The best time to purchase critical illness insurance is before a diagnosis, when you’re still in good health. Many people choose to enroll during retirement planning or when reviewing Medicare options.
Coverage can often be added year-round, but some plans may have age restrictions or require medical underwriting. An insurance advisor can help you determine the right timing based on your current health and financial situation.
More Ways to Plan Ahead
Explore Other Coverage Options
From healthcare and life insurance to financial planning and beyond — explore a range of coverage options designed to meet your goals. Our advisors help you compare plans and find the ones that fit your lifestyle, budget, and peace of mind.
Annuities provide a reliable income you can’t outlive. We help you compare fixed, indexed, and variable options that protect savings, build steady cash flow, and strengthen your retirement foundation, giving you long-term stability, security, and confidence.
Planning for future care is a smart financial move. Long-term care insurance helps cover in-home support, assisted living, or nursing services, protecting your freedom, reducing stress on the family, and helping preserve your long-term stability and savings.
Final Expense insurance helps protect your family from unexpected costs. It covers funeral expenses, medical bills, and remaining debts, ensuring your loved ones aren’t left with financial stress and can focus on what matters most during difficult times.
Home Health Care coverage offers reliable access to skilled nursing, therapy, and daily living help delivered at home. It supports recovery, manages ongoing health needs, and promotes long-term independence with convenient, personalized care you can trust in.
A strong retirement plan turns savings into lasting security. Our agents build strategies for steady income, tax efficiency, and asset protection, helping you approach retirement with confidence, stability, and long-term peace of mind that supports your goals.
