CriticalCare


Carrier Name:

USAble Life

Line of Coverage:

CriticalCare

Key Selling Features:

  • Up to $100,000 in coverage
  • Coverage available for individual employee and family members
  • Choice of two plans

Basic Product Overview:

USAble Life’s CriticalCare policy provides for a lump sum payment upon first diagnosis of a covered “critical illness.” Payment is made directly to the insured. Coverage is available to employees and their families.

Covered Critical Illnesses

Cancer, Carcinoma-in-Situ, Heart Attack, Stroke, End Stage Renal Disease, Major Organ Transplant Surgery, Quadriplegia, Coronary Artery Bypass Surgery, Balloon Angioplasty, Stent, or Laser Relief Obstruction Procedures.

Waiting Period:

Guaranteed renewable for your lifetime.

Inpatient Benefits

No benefits will be paid for a specified critical illness diagnosed during the first 30 days following the effective date.

Specified Critical Illness With Cancer Without Cancer
Cancer 100% 0%
Heart Attack 100% 100%
Stroke 100% 100%
End Stage Renal Disease 100% 100%
Major Organ Transplant Surgery 100% 100%
Quadriplegia 100% 100%
Coronary Artery Bypass Surgery 25% 25%
Balloon Angioplasty, Stent, or Laser Relief 10% 10%
Carcinoma in Situ 10%,maximum $5,000 0%

Benefit After Age 75: Face Amount reduces 50% on the policy anniversary following age 75.

Additional details will be provided upon request.

For more information on cancer prevention and early detection, research, and statistics, visit the American Cancer Society. For more information about cardiovascular diseases, visit the American Heart Association.

Advantages and Strengths of Implementing this Product with our company over our competitors: USAble Life brings extensive knowledge on the products that serve the worksite market. We offer highly competitive products and rates with personalized one-on-one enrollments. Our web site is user friendly. We recently introduced a new incentive, called LifeLine, which allows employers to track claims through our web site.

DISCLAIMER: This is a brief description of the products offered by USAble Life. These descriptions are for informational purposes only. Products and provisions described may not be available in all states. Specific provisions may vary by state. The policy contains a complete description of benefits, provisions, limitations and exclusions. In the event of a conflict between this description and the policy, the policy will prevail.