Supplemental Coverage

Cancer, Heart Attack and Stroke Insurance

A lump sum of cash on diagnosis, paid to you rather than to a hospital, to spend on whatever the diagnosis actually costs you.

Ask for a quote Call (424) 295-0627

Why people buy it

The problem it solves

The expensive part of a serious diagnosis is often not the treatment. It is the travel to a specialist, the weeks of work missed, the spouse who takes unpaid leave, the mortgage that does not pause, and the treatment your plan classifies as out of network or experimental.

Lump sum critical illness coverage answers that. On a qualifying diagnosis the insurer pays an agreed amount in cash, once, with no restriction on how it is used. It is not tied to a bill and it does not coordinate with your health plan.

How it works

Three things happen, in this order

You choose a lump sum amount

Typically anywhere from a few thousand dollars up to fifty thousand, for cancer and for heart attack and stroke, together or separately.

A qualifying diagnosis is made

The policy defines precisely what counts. Those definitions matter more than the headline amount, and they are worth reading before you buy.

The full amount is paid to you

Once, in cash, whatever your health insurance does. Some policies restore the benefit over time if the illness does not recur.

Honest fit

Who this suits, and who it does not

The second list matters more than the first. An agent who only writes the first one is selling, not advising.

Worth considering if…

You have a family history that makes one of these diagnoses feel less hypothetical than it does to most people.
Your savings would cover the medical bills but not several months of disrupted income on top of them.
You would want the option to seek treatment outside your network without the cost being the deciding factor.

Probably not for you if…

You want coverage for any serious illness. These policies pay on specifically defined conditions only. A diagnosis that is devastating but not on the list pays nothing, and that is the most common disappointment with this product.
You have been treated for one of the covered conditions recently. Pre-existing condition terms look back a long way, and a policy bought after symptoms appear is unlikely to pay for that episode.
You need help with everyday medical costs. A once-only lump sum is the wrong shape for that — hospital indemnity or a supplement will serve you better.

Companies

Who we can place this with

Darin is appointed with each of these companies and can place coverage with any of them. We do not represent every insurer, and which company suits you depends on your age, your state, your health history and which benefits you actually want. Where a carrier's benefits are described on this page, those details come from that carrier's own current brochure.

Guarantee Trust Life (GTL)

Cancer, Heart Attack and Stroke

Every benefit below is transcribed from GTL Cancer, Heart Attack and Stroke brochure ADH09-16 (Rev. 1/24) 15B425. Benefits, amounts and riders vary by state; the policy issued to you governs.

Lump sum cancer benefit Included
A lump sum paid directly to you on a positive diagnosis of cancer as defined in the policy, up to $50,000, regardless of any other coverage you hold. Includes a 25% benefit for cancer in situ.
Lump sum heart attack and stroke benefit Included
A lump sum paid directly to you on a heart attack or stroke as defined in the policy, up to $50,000. Can be bought alongside the cancer policy or on its own.
Experimental treatment benefit Included
An extra 25% of your lump sum if you undergo a qualifying experimental treatment approved or endorsed by the FDA or the National Institutes of Health while being treated for cancer.
Benefit builder rider Optional rider
Adds benefits on top of the base lump sum, including an increase for certain cancers and coverage for transient ischemic attack.

Issue ages: 18 to 90, with a child rider available
Renewability: Guaranteed renewable for life
Pre-existing conditions: A pre-existing condition is one for which medical advice or treatment was recommended or received within the 24 months before your effective date, or for which symptoms existed that would cause an ordinarily prudent person to seek care in that period.
Policy form: G1530, G1531. Rider forms RG15CBB. Form numbers and benefits vary by state.

Required disclosures from GTL

In most states there is a 30 day waiting period, beginning on the issue date of the policy (not applicable in ID, MO, MT, SD. These states have an initial benefit period coverage on the base and certain riders.)

If a positive diagnosis is made during the waiting period, you may cancel the policy and receive a refund of all premiums paid on the policy and attached riders.

Manhattan Life

Cancer and/or Heart and Stroke

Every benefit below is transcribed from ManhattanLife Cancer and/or Heart and Stroke brochure CHAS-BR 0525. Benefits, amounts and riders vary by state; the policy issued to you governs.

Cancer diagnosis Included
Pays 100% of the cancer benefit amount as a lump sum on diagnosis.
Heart attack, stroke or heart transplant Included
Each pays 100% of the heart and stroke benefit amount as a lump sum.
Coronary artery bypass, aortic surgery, heart valve surgery Included
Each pays 25% of the heart and stroke benefit amount.
A partial payment draws down the remaining benefit amount rather than sitting alongside it.
Angioplasty or a stent Included
Each pays 10% of the heart and stroke benefit amount.
A partial payment draws down the remaining benefit amount rather than sitting alongside it.
The policy pays once unless you add the recurrence rider Included
Once the heart and stroke benefit amount has been paid in full, coverage terminates and nothing further is payable. The carrier's own claims example shows a stroke paying the full lump sum and a heart attack six months later paying nothing.
This is the reason the restoration rider exists. Read both before deciding it is not worth the premium.
Cancer Recurrence Rider Optional rider
Pays again on a later cancer diagnosis, scaled by how long has passed: nothing under 2 years, 25% at 2 to under 5 years, 50% at 5 to under 10 years, and 100% at 10 years or more.
Heart and Stroke Restoration Rider Optional rider
Restores the benefit for a later event, scaled by how long has passed: nothing under 2 years, 25% at 2 to under 5 years, 75% at 5 to under 10 years, and 100% at 10 years or more.
The money is yours Included
Benefits are paid directly to you, not to a hospital, and there is no restriction on what you spend them on.

Confirm this one before you sign

This does not appear in the sales brochure, and it changes what the policy is worth to you. Ask for it in writing, in the policy and the outline of coverage for your state, and do not take our word or anyone else's for it.

In California the issue ages may stop at 64, not 84. The brochure prints 20 to 84 with no state exception. ManhattanLife's own agent material says California is 20 to 64. We cannot cite that material to you, and we are not going to pretend the difference does not exist either: if you are a Californian over 64, get the answer in writing before you spend any time on an application.

Issue ages: Ages 20 to 84. Individual, individual and spouse, one parent and family coverage are available.
Underwriting: A benefit amount from $5,000 to $75,000 is chosen at application, up to $75,000 for cancer and $75,000 for heart and stroke. The two policies can be bought together or separately.
Pre-existing conditions: A 30 day waiting period applies before benefits are payable.
Policy form: AK7029, AK7030. Rider forms AK7029CR, AK7030RR. Form numbers and benefits vary by state.

Required disclosures from Manhattan Life

Benefits and riders may vary by state and may not be available in all states. This is not a complete disclosure of plan qualifications and limitations. The amounts of benefits provided depend on the plan selected. Premiums will vary according to the selection made.

This brochure only provides a brief description of the important features of your policy. Only the actual policy provisions will control; therefore, it is important that you READ YOUR POLICY CAREFULLY.

Manhattan Life

Critical Protection and Recovery

Every benefit below is transcribed from ManhattanLife Critical Protection and Recovery outlines of coverage OC-CI-A and OC-CI-B, with rates from CPR-BDR 0520, and from ManhattanLife Critical Protection and Recovery brochures CPR-BR 0520 (without cancer) and CPRC-BR 0520 (with cancer). Benefits, amounts and riders vary by state; the policy issued to you governs.

Whether cancer is covered is your choice, and it changes everything Included
Policy CI-B covers life threatening cancer. Policy CI-A does not cover cancer at all. Every other benefit, exclusion and limitation in the two outlines of coverage is identical. CI-A is meaningfully cheaper for that reason, and it is the wrong policy for anybody who assumed cancer was included.
If you already hold a separate cancer policy, CI-A may be the sensible half of the pair. If you do not, read this line twice.
First occurrence Included
Pays the amount chosen — $5,000, $7,500, $10,000 or $20,000 — the first time in the covered person's lifetime they are diagnosed with end-stage renal failure, major third degree burns, paralysis, coma, heart attack or stroke, or undergo coronary artery bypass surgery or a major human organ transplant. On CI-B, life threatening cancer is on that list too.
Limited to one first occurrence benefit per covered person.
Reoccurrence, with no lifetime maximum Included
After a first occurrence benefit has been paid, a reoccurrence pays half the first occurrence amount — and it pays every time, with no lifetime maximum, provided each reoccurrence is more than 365 days after the last payment.
This is the opposite of a policy that terminates after one payment. Compare it against the other policies on this page before deciding which shape you want.
Monthly income for a year Included
Once a first occurrence benefit is paid, a tenth of it is paid every month for 12 months, starting a month after the event. On the $20,000 plan that is $2,000 a month for a year on top of the lump sum.
Hospital confinement Included
$300 for each day confined for treatment of a covered event, with no lifetime maximum. Confinement must be within 500 days of the most recent covered event.
Ambulance Included
$250 for ground and $1,000 for air, payable up to twice per covered event, within 180 days of it.
Travel and lodging when treatment is not local Included
50 cents a mile for your own car, or the cost of coach class travel, where a physician prescribes treatment more than 75 miles from home, limited to $1,500 per covered event. Lodging is paid at actual charges up to $70 a day for the covered person or one adult family member, for up to 15 days per event.
Where the patient is an insured child and commercial travel is needed, the travel benefit covers up to two adults.
There is a cheaper route through an employer Included
The same product is also sold at the worksite, by certificate, with premiums taken from payroll — and those rates are lower than the individual rates above. If you are an employer, or an employee whose workplace already offers it, ask us. What a worksite certificate covers is set by the group contract rather than by the individual policy described here, so get the certificate in front of you before comparing the two.
Waiver of premium Included
If the named insured is totally disabled for 60 days because of a covered event, premiums falling due during the disability are waived.
The disability must begin before the policy anniversary following age 60, and the benefit does not apply to a spouse's or child's disability.

Issue ages: Ages 18 to 64 at issue, in individual, one parent family and two parent family cover. The policy is then guaranteed renewable for life.
Underwriting: The first occurrence amount is chosen at application: $5,000, $7,500, $10,000 or $20,000. Whether cancer is covered is also chosen at application, and it is the only difference between the two policies.
Renewability: Guaranteed renewable for life, subject to the company's right to change rates on all policies of this class in your state. The policy cannot be cancelled because of your health, your age, or how many times it has paid — only for non-payment of premium. There is a 31 day grace period, and 10 days from receiving the policy to return it for a full refund.
Pre-existing conditions: During the first 12 months, a specified health event caused by a pre-existing condition is not covered. After 12 months it is.
Policy form: CI-A, CI-B. Form numbers and benefits vary by state.

Required disclosures from Manhattan Life

THIS IS NOT A MEDICARE SUPPLEMENT POLICY. If you are eligible for Medicare, review the Medicare Supplement Buyer's Guide available from the Company.

Not available in all states.

This critical illness only Policy is designed to provide to Covered Persons restricted coverage for certain losses resulting from a Critical Illness ONLY, subject to any limitations contained in the Policy. Coverage is not provided for basic hospital, basic medical-surgical, or major medical expenses due to sickness.

READ YOUR POLICY CAREFULLY. This outline of coverage provides a very brief description of some of the important features of your Policy. This is not the insurance contract and only the actual Policy provisions will control.

Benefits are not paid for a loss connected with: an event occurring before the effective date; being under the influence of a controlled substance or intoxicated; playing a sport for money; intentionally self-inflicted injury or attempted suicide; war or an act of war while in military service; travel in or descent from an aircraft other than as a fare-paying passenger; committing or attempting a felony; an illegal occupation; or an experimental major human organ transplant.

Continental Life Insurance Company of Brentwood, Tennessee, an Aetna company

Protection Series — Cancer Plus and Heart Attack or Stroke Plus

Every benefit below is transcribed from the Aetna Protection Series Cancer Plus outline of coverage CLICS04672NV (Nevada edition), for policy forms CLICCAN18 NV and CLICCANR18 NV, and from the Aetna Protection Series Cancer and Heart Attack or Stroke Plus brochure CLICS04742NV (Nevada edition), which is the only document we hold describing the heart attack and stroke policies, the Aetna Senior Supplemental Insurance company profile CGFMP08395, which states the A.M. Best rating and its date. Benefits, amounts and riders vary by state; the policy issued to you governs.

A lump sum on diagnosis, paid to you Included
The policy pays 100% of the benefit amount you chose, from $5,000 to $75,000 in $5,000 increments, directly to you or to someone you designate, regardless of any other health insurance coverage you hold.
Waiting period: 30 days. Eligibility for benefits begins 30 days after the coverage effective date. There is also a 30 day free look: return the policy for any reason within 30 days of receiving it for a full refund of premiums paid.
Cancer insurance Included
Pays on a diagnosis of cancer or carcinoma in situ. Only one cancer benefit is paid for each insured person under the policy, and on the policy without the recurrence benefit coverage terminates for that person once it has been paid.
Carcinoma in situ is covered at the same 100%, which is not true of every cancer policy — it is an early stage cancer confined to the site it started from, and some policies pay a fraction for it or nothing at all.
Cancer insurance with the recurrence benefit Included
The same lump sum, plus a further payment each time the insured is diagnosed with a recurrence of cancer. The percentage paid depends on how long the insured went without medical advice or treatment before that diagnosis. 0% — nothing at all — if the recurrence comes less than 2 years after; 25% at 2 years or more but less than 5; 50% at 5 or more but less than 7; 75% at 7 or more but less than 9; and 100% at 9 years or more. The lifetime maximum is 100% of the recurrence benefit amount, so a part-paid recurrence leaves the remainder available for a later one and nothing beyond that.
This is a third design on this page and it is worth comparing against the other two. It turns on time without treatment, so an early recurrence pays nothing where a long remission pays the lot.
Heart attack or stroke insurance Included
Pays 100% of the benefit amount you chose, from $5,000 to $75,000 in $5,000 increments, on a diagnosis of heart attack or stroke. Only one heart attack or stroke benefit is paid for each insured person under the policy.
It is a separate policy from the cancer one. You can take a cancer plan, a heart attack and stroke plan, or one of each with different benefit amounts.
Heart attack or stroke insurance with the recurrence benefit Included
The same lump sum, plus a further payment on a subsequent heart attack or stroke, payable as long as at least two years have passed since the date of the last one. 0% — nothing at all — if the recurrence comes less than 2 years after; 25% at 2 years or more but less than 5; 50% at 5 or more but less than 7; 75% at 7 or more but less than 9; and 100% at 9 years or more. The lifetime maximum is 100% of the recurrence benefit amount, so a part-paid recurrence leaves the remainder available for a later one and nothing beyond that.
Note the difference from the cancer version: this one measures two years since the last heart attack or stroke, where the cancer policy measures two years without medical advice or treatment. Somebody on continuing cancer treatment is not accruing that time.
What “stroke” means here, and what it does not Included
An acute cerebrovascular event caused by intra-cranial thrombosis or hemorrhage, or embolism from an extra-cranial source, with acute onset of new neurological symptoms and new objective neurological deficits on clinical examination, which persists for more than 30 days.
A transient ischemic attack is excluded by name. So is brain damage from accident, injury, infection, vasculitis, inflammatory or demyelinating disease, vascular disease of the eye or optic nerve, vertebrobasilar insufficiency, an incidental finding on an imaging study, and an ischemic disorder of the vestibular system.
A stent on its own does not pay Not covered
A balloon angioplasty procedure, laser relief or other like procedure is excluded, and so is a cardiac arrest that is not caused by a heart attack. A heart attack here means an acute myocardial infarction resulting in the death of a portion of the heart.
Worth comparing against Critical Protection and Recovery on this same page, which does pay a partial benefit for angioplasty and stents and draws the remaining benefit down when it does. Two products, opposite answers, one page.
Who it can cover, and what happens to them later Included
Individual, individual and spouse or domestic partner, individual and children, and family. The same lump sum benefit amount applies to each covered person. Children aged 18 to 26 and divorced spouses or domestic partners can convert to an individual policy without underwriting or proof of insurability.
That conversion right is easy to miss and it is worth real money to a child ageing off a family policy or a spouse after a divorce.
What is not covered Not covered
On the cancer policy: skin cancer other than malignant melanoma; premalignant conditions or conditions with malignant potential; and any disease or illness other than cancer, even where it was complicated, aggravated or caused by cancer. On the heart attack or stroke policy: any disease or illness other than heart attack or stroke, on the same terms. Neither pays for an intentional self-inflicted injury or sickness, or for exposure to a declared or undeclared war or any act of one. The heart attack and stroke policy also excludes suicide or any attempt at it, the commission or attempted commission of a felony or an illegal occupation that contributed to the loss, voluntary participation in a riot or civil insurrection, and practising for or taking part in a semi-professional or professional competitive athletic contest for which payment is received.

Does this apply in your state?

Everything set out above is transcribed from the Nevada edition of this company's material — the policy form number carries the state in it. The way the policy is built is the product's, and it is why the design is worth comparing. The exact amounts, the riders on offer and the availability are that state's, and they can differ where you live.

Tell us your state and we will check it and send you the documents that apply to you. Call (424) 295-0627, or use the form at the bottom of this page.

What this kind of care costs

None of the figures below is a policy benefit and none of them is ours. They are third-party research quoted in the company's brochure, and each one is shown with who produced it and when, because a statistic is only true of the year it was measured in. They are here because the policy above cannot be judged without them.

What this kind of care costs
What	Cost	Source
What heart attack patients paid per hospital stay average length of stay 5.3 days	$21,500	Agency for Healthcare Research and Quality, 24 September 2021
What stroke patients paid per year in the United States	$59,900	National Library of Medicine, The Economic Burden of Stroke, September/October 2021
How much more the cost of treating cancer is expected to be by 2030 Projection	34%	American Cancer Society, The Costs of Cancer 2020 Edition, 2020

Confirm this one before you sign

The heart attack and stroke policy has no outline of coverage here Everything published above about the cancer policy comes from its outline of coverage, which is the carrier’s own summary of the contract and carries the exclusions and the termination terms. The heart attack and stroke policies are described only in the sales brochure, which prints no policy form number for them. Ask for the outline of coverage for the heart attack and stroke policy in your state, and read it before you sign.

Issue ages: 18 to 89, age last birthday.
Renewability: Guaranteed renewable for life provided premiums are paid when due. Renewability is subject to payment of the policy maximum benefits.
Financial strength: Rated “A” (Excellent) by A.M. Best as of 13 March 2024 — the third highest of sixteen ratings, which is the part the letter on its own does not tell you. It is a view of the insurer’s ability to pay claims, not a comment on this policy, and it can be changed at any time.
Policy form: CLICCAN18 NV, CLICCANR18 NV. Form numbers and benefits vary by state.

Required disclosures from Continental Life Insurance Company of Brentwood, Tennessee, an Aetna company

THIS IS A LIMITED BENEFIT POLICY. READ YOUR POLICY CAREFULLY. This outline of coverage provides a description of the important features of your policy. This is not the insurance contract. Only the actual policy provisions will control. The policy sets forth in detail the rights and obligations of both you and the insurance company. It is important that you READ YOUR POLICY CAREFULLY! Defined terms in the policy shall have the same meaning in this outline of coverage.

This coverage will pay a fixed benefit upon Diagnosis of Cancer while the policy is in force and after the policy’s terms and conditions have been met. The policy provides limited benefits to supplement coverage you may already have in force.

Premiums for the policy may be changed. Any change in premium will apply to all covered persons with Your same policy type based on the issue state of Your policy. Any change in premium may occur on the next premium due date after You are given at least 60 days advance notice in writing of such change.

This is not a Medicare Supplement policy. This is not a Major Medical policy. This policy may not cover all of your medical or health care expenses. This policy should not be purchased as a substitute for Medicare or Medicare related health plans.

This brochure is an illustration for Cancer Plus and Heart Attack or Stroke Plus insurance policies and is not a contract of insurance. For complete details of all provisions or benefits, please read your policy carefully.

Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Continental Life Insurance Company of Brentwood, Tennessee, and its affiliates (Aetna). Not connected with or endorsed by the U.S. Government or the Federal Medicare Program.

Also appointed

Also appointed, with benefit details not yet published here: the companies listed here. Ask and we will quote them alongside the others.

Mutual of Omaha
Aflac

We publish no benefit detail for these companies here because we hold no current brochure for them in this product family. Naming a benefit we have not read would be a guess, and a guess is what gets a claim denied.

What it costs

What the premium looks like

No company gives us a self-service quote link for this one, so the rate card is published instead. It is the company's own, and it is enough to work out roughly what a policy would cost you before you speak to anybody. Rates move, and the policy issued to you governs.

Cancer policy — monthly per $5,000 of benefit

Cancer policy — monthly per $5,000 of benefit
Issue age	Individual	Individual and spouse	One parent	Family
20 to 39	$3.75	$6.25	$4.25	$7.00
40 to 44	$4.75	$8.25	$5.50	$9.00
45 to 49	$6.25	$11.00	$6.75	$11.50
50 to 54	$8.25	$14.25	$8.50	$15.00
55 to 59	$10.50	$18.50	$11.00	$19.00
60 to 64	$13.25	$23.25	$13.50	$23.75
65 to 69	$16.00	$28.00	$16.25	$28.50
70 to 74	$18.25	$32.00	$18.50	$32.25
75 to 79	$18.75	$33.00	$19.00	$33.25
80 to 84	$19.25	$33.75	$19.50	$34.00

Cancer Recurrence Rider — monthly per $5,000

Cancer Recurrence Rider — monthly per $5,000
Issue age	Individual	Individual and spouse	One parent	Family
20 to 39	$0.30	$0.50	$0.35	$0.60
40 to 44	$0.40	$0.70	$0.45	$0.75
45 to 49	$0.55	$0.90	$0.55	$0.95
50 to 54	$0.70	$1.20	$0.70	$1.20

The brochure's rider rate table runs to age 54 only. Rider pricing above that age is quoted rather than guessed at here.

Heart and Stroke policy — monthly per $5,000 of benefit

Heart and Stroke policy — monthly per $5,000 of benefit
Issue age	Individual	Individual and spouse	One parent	Family
20 to 39	$3.50	$5.75	$3.75	$6.00
40 to 44	$4.75	$8.00	$5.00	$8.25
45 to 49	$6.25	$10.75	$6.50	$11.00
50 to 54	$8.00	$14.00	$8.25	$14.25
55 to 59	$10.25	$18.00	$10.50	$18.25
60 to 64	$13.25	$23.25	$13.50	$23.50
65 to 69	$16.75	$29.50	$17.00	$29.75
70 to 74	$21.25	$37.50	$21.50	$37.75
75 to 79	$26.00	$46.00	$26.25	$46.25
80 to 84	$30.50	$53.75	$30.75	$54.00

Heart and Stroke Restoration Rider — monthly per $5,000

Heart and Stroke Restoration Rider — monthly per $5,000
Issue age	Individual	Individual and spouse	One parent	Family
20 to 39	$0.35	$0.60	$0.40	$0.60
40 to 44	$0.50	$0.80	$0.50	$0.85
45 to 49	$0.65	$1.10	$0.65	$1.15
50 to 54	$0.80	$1.40	$0.85	$1.45

The brochure's rider rate table runs to age 54 only. Rider pricing above that age is quoted rather than guessed at here.

Monthly rates per $5,000 of benefit, transcribed from the carrier's brochure and subject to change. To price a policy, divide the benefit amount you want by $5,000 and multiply the rate by that figure — so $50,000 of cover is the rate multiplied by 10. The rate comes from the oldest applicant's age at issue. Paying annually, semi-annually or quarterly multiplies the monthly rate by 11.765, 6.118 or 3.118 respectively. Benefits and riders vary by state.

Without cancer cover (policy CI-A)

Without cancer cover (policy CI-A)
Age at issue and who is covered	Plan 1	Plan 2	Plan 3	Plan 4
18 to 34, individual	$7.30	$9.70	$12.10	$21.70
18 to 34, one parent family	$7.90	$10.50	$13.10	$23.50
18 to 34, two parent family	$13.00	$17.40	$21.80	$39.40
35 to 44, individual	$13.90	$18.50	$23.10	$41.50
35 to 44, one parent family	$14.50	$19.30	$24.10	$43.30
35 to 44, two parent family	$25.10	$33.90	$42.70	$77.90
45 to 54, individual	$23.80	$31.70	$39.60	$71.20
45 to 54, one parent family	$24.40	$32.50	$40.60	$73.00
45 to 54, two parent family	$43.80	$59.20	$74.60	$136.20
55 to 64, individual	$38.60	$51.50	$64.40	$116.00
55 to 64, one parent family	$39.30	$52.40	$65.50	$117.90
55 to 64, two parent family	$72.40	$96.60	$120.80	$217.60

Plan 1 pays a $5,000 first occurrence, Plan 2 $7,500, Plan 3 $10,000 and Plan 4 $20,000. The monthly income benefit is a tenth of that for 12 months and a reoccurrence pays half.

With cancer cover (policy CI-B)

With cancer cover (policy CI-B)
Age at issue and who is covered	Plan 1	Plan 2	Plan 3	Plan 4
18 to 34, individual	$12.10	$15.40	$18.70	$31.90
18 to 34, one parent family	$14.30	$18.30	$22.30	$38.30
18 to 34, two parent family	$23.10	$29.70	$36.30	$62.70
35 to 44, individual	$20.90	$26.40	$31.90	$53.90
35 to 44, one parent family	$23.10	$29.30	$35.50	$60.30
35 to 44, two parent family	$39.60	$50.60	$61.60	$105.60
45 to 54, individual	$42.90	$56.10	$69.30	$122.10
45 to 54, one parent family	$45.10	$59.00	$72.90	$128.50
45 to 54, two parent family	$82.50	$108.90	$135.30	$240.90
55 to 64, individual	$66.00	$84.70	$103.40	$178.20
55 to 64, one parent family	$68.20	$87.60	$107.00	$184.60
55 to 64, two parent family	$127.60	$165.00	$202.40	$352.00

The same four plans, the same benefits, with life threatening cancer added to the covered conditions.

Monthly bank draft premiums transcribed from the carrier's rate sheet and subject to change. The rate is set by the oldest age on the policy at issue. Compare the two tables against each other: the difference between them is the price of covering cancer.

Annual premium for the cancer policy, per $5,000 of coverage

Annual premium for the cancer policy, per $5,000 of coverage
Issue age	Individual	Single parent family	Individual and spouse	Family
18-24	$32.50	$41.20	$60.70	$69.40
25-29	$32.50	$41.20	$60.70	$69.40
30-34	$32.50	$41.20	$60.70	$69.40
35-39	$37.80	$46.50	$70.60	$79.30
40-44	$54.10	$62.80	$101.00	$109.70
45-49	$74.80	$83.50	$139.70	$148.40
50-54	$98.80	$107.50	$184.50	$193.20
55-59	$125.00	$133.70	$233.40	$242.10
60-64	$153.00	$161.70	$285.70	$294.40
65-69	$177.50	$186.20	$331.50	$340.20
70-74	$198.90	$207.60	$371.40	$380.10
75-79	$210.00	$218.70	$392.20	$400.90
80-84	$219.30	$228.00	$409.50	$418.20
85-89	$229.50	$238.20	$428.60	$437.30

Policy form CLICAN18 — the cancer policy WITHOUT the recurrence benefit. Nevada rates, annual mode.

Annual premium for the cancer policy with the recurrence benefit, per $5,000 of coverage

Annual premium for the cancer policy with the recurrence benefit, per $5,000 of coverage
Issue age	Individual	Single parent family	Individual and spouse	Family
18-24	$36.50	$47.40	$68.20	$79.00
25-29	$36.50	$47.40	$68.20	$79.00
30-34	$36.50	$47.40	$68.20	$79.00
35-39	$41.80	$52.70	$78.10	$88.90
40-44	$59.60	$70.50	$111.30	$122.20
45-49	$81.00	$91.90	$151.30	$162.10
50-54	$106.30	$117.20	$198.50	$209.40
55-59	$135.00	$145.90	$252.10	$263.00
60-64	$166.80	$177.70	$311.50	$322.30
65-69	$193.80	$204.70	$361.90	$372.80
70-74	$215.20	$226.10	$401.90	$412.70
75-79	$226.30	$237.20	$422.60	$433.50
80-84	$235.60	$246.50	$440.00	$450.80
85-89	$243.30	$254.20	$454.40	$465.20

Policy form CLICANR18 — the cancer policy WITH the recurrence benefit. Nevada rates, annual mode.

These are NEVADA rates and they are ANNUAL premiums per $5,000 of coverage, transcribed from the outline of coverage — so the figure shown multiplies by the number of $5,000 units you choose. The carrier's own conversion is: semi-annual is the annual figure times .52, quarterly times .265, and monthly bank draft times .08333, so annual and monthly bank draft cost the same over a year and the other two modes cost more. The outline prints no rates for the heart attack and stroke policies at all. Rates are subject to change and the policy issued to you governs.

Where we can place it

Availability in your state

Insurance is regulated state by state. A company may file a benefit in one state and not in another, which is a large part of why working with more than one company matters.

Availability by state, in full

The right-hand column lists what is not offered in that state by any company whose benefits are published on this page. We are appointed with other companies in this family as well — where something is withheld here, ask, and we will check them for you.

State	Published benefits not offered there
Arizona	None — everything on this page can be placed here
California	None — everything on this page can be placed here
Colorado	None — everything on this page can be placed here
Florida	None — everything on this page can be placed here
Georgia	None — everything on this page can be placed here
Hawaii	None — everything on this page can be placed here
Indiana	None — everything on this page can be placed here
Minnesota	None — everything on this page can be placed here
Nevada	None — everything on this page can be placed here
New Mexico	None — everything on this page can be placed here
North Carolina	None — everything on this page can be placed here
Ohio	None — everything on this page can be placed here
South Carolina	None — everything on this page can be placed here
Tennessee	None — everything on this page can be placed here
Texas	None — everything on this page can be placed here
Utah	None — everything on this page can be placed here
Washington	None — everything on this page can be placed here

ECOS is licensed in seventeen states. Medicare guides: Arizona · California · Colorado · Florida · Georgia · Hawaii · Indiana · Minnesota · Nevada · New Mexico · North Carolina · Ohio · South Carolina · Tennessee · Texas · Utah · Washington.

Straight answers

Questions people actually ask

What counts as a qualifying diagnosis?

The policy defines each condition precisely, and the definition is what pays — not the everyday meaning of the word. Stroke, for example, typically requires a measurable neurological deficit lasting more than twenty-four hours, which excludes a transient ischemic attack unless a rider covers it. Read the definitions before you buy; they vary between carriers.

Is a lump sum taxable?

Benefits from an individual policy you paid for with after-tax dollars are generally received tax-free, but your situation can change that, and a policy paid for through an employer or with pre-tax money may be treated differently. This is not tax advice — ask your tax professional about your own circumstances before relying on it.

Can I buy it if I have already had cancer?

Sometimes, depending on the condition, how long ago it was and the carrier. Expect a pre-existing condition limitation looking back up to twenty-four months, and expect the prior condition to be excluded even where a policy is issued. Be completely straightforward on the application — it is the single biggest cause of denied claims.

Does it pay on top of my health insurance?

Yes. The benefit is paid directly to you regardless of any other health care coverage you hold, because it is not reimbursing a medical bill. Your health plan pays providers under its own rules, and this pays you a fixed sum on diagnosis. Neither reduces the other.

Ask for a quote on Cancer and Critical Illness Insurance

Tell us how to reach you and which state you are in. A licensed agent calls back, usually the same business day, and will tell you plainly if you already have coverage that makes this unnecessary.

Your name

Phone

ZIP code

State

Best time to call

What would you like a quote on? (Please leave out health conditions and medications.)

ECOS Medicare Solutions is not connected with or endorsed by the United States government or the federal Medicare program. This is a solicitation of insurance. A licensed insurance agent may contact you.

All Supplemental Coverage · Medicare help in your state

Cancer, Heart Attack and Stroke Insurance

The problem it solves

Three things happen, in this order

You choose a lump sum amount

A qualifying diagnosis is made

The full amount is paid to you

Who this suits, and who it does not

Worth considering if…

Probably not for you if…

Who we can place this with

Lump sum cancer benefit Included

Lump sum heart attack and stroke benefit Included

Experimental treatment benefit Included

Benefit builder rider Optional rider

Required disclosures from GTL

Cancer diagnosis Included

Heart attack, stroke or heart transplant Included

Coronary artery bypass, aortic surgery, heart valve surgery Included

Angioplasty or a stent Included

The policy pays once unless you add the recurrence rider Included

Cancer Recurrence Rider Optional rider

Heart and Stroke Restoration Rider Optional rider

The money is yours Included

Confirm this one before you sign

Required disclosures from Manhattan Life

Whether cancer is covered is your choice, and it changes everything Included

First occurrence Included

Reoccurrence, with no lifetime maximum Included

Monthly income for a year Included

Hospital confinement Included

Ambulance Included

Travel and lodging when treatment is not local Included

There is a cheaper route through an employer Included

Waiver of premium Included

Required disclosures from Manhattan Life

A lump sum on diagnosis, paid to you Included

Cancer insurance Included

Cancer insurance with the recurrence benefit Included

Heart attack or stroke insurance Included

Heart attack or stroke insurance with the recurrence benefit Included

What “stroke” means here, and what it does not Included

A stent on its own does not pay Not covered

Who it can cover, and what happens to them later Included

What is not covered Not covered

Does this apply in your state?

What this kind of care costs

Confirm this one before you sign

Required disclosures from Continental Life Insurance Company of Brentwood, Tennessee, an Aetna company

Also appointed

What the premium looks like

Cancer policy — monthly per $5,000 of benefit

Cancer Recurrence Rider — monthly per $5,000

Heart and Stroke policy — monthly per $5,000 of benefit

Heart and Stroke Restoration Rider — monthly per $5,000

Without cancer cover (policy CI-A)

With cancer cover (policy CI-B)

Annual premium for the cancer policy, per $5,000 of coverage

Annual premium for the cancer policy with the recurrence benefit, per $5,000 of coverage

Availability in your state

Questions people actually ask

Ask for a quote on Cancer and Critical Illness Insurance

Know someone who needs this?

Other coverage that pays you cash

Hospital Indemnity Insurance

Accident Insurance

Cancer and Dread Disease Insurance

Short-Term Home Health Care Insurance

Short-Term Care Insurance

Dental Insurance

Vision Insurance