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Get a Critical Illness Insurance Quote

Looking for coverage for yourself, a family member or your employees? Whether you are just curious or know exactly what you want, USAlliance is here to answer all of your questions. We’ll provide fast and easy-to-understand quotes designed for you!

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Critical Illness Insurance Frequently Asked Questions

What is USAlliance critical illness insurance?

Critical illness insurance provides a lump sum cash benefit upon diagnosis of a specified illness, such as cancer, heart attack, stroke, or 13 other illnesses. You can use funds from a critical illness policy for any purpose, such as to help pay for things that health insurance may not, such as transportation expenses, lodging during treatment, or experimental treatments.

How long does the coverage last?

As long as you continue to pay your premium, coverage will remain in-force. The benefit amount reduces to 50% of the original benefit amount at age 70.

Can the policy pay out benefits more than once if I suffer more than one critical illness?

Yes, the policy can pay out one time for each of the 16 illnesses the policy covers.

Is a medical exam required to get critical illness coverage?

Most of the time a medical exam is not required when applying for critical illness coverage. However, in some cases a medical exam may be requested based on medical history. All examinations are paid for by USAlliance.

Can I combine term life Insurance with my critical illness insurance?

Yes, our critical illness policy offers a term life insurance rider that gives you the option to purchase up to half the benefit amount of your critical illness benefit amount in term life insurance. For example, if you had a $50,000 critical illness policy, you have the option to purchase up to $25,000 in term life insurance.