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Critical Illness Insurance That Delivers a Lump Sum When It Counts

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Cash for life’s toughest moments

A lump sum when life changes

A serious diagnosis often brings medical bills plus travel, time off work, and household expenses. Critical illness insurance pays a tax-advantaged lump sum on covered conditions like cancer, heart attack, or stroke. You can use the funds for treatment, mortgage payments, childcare, or to close gaps left by a high-deductible plan. Granen Insurance helps clients across 31+ states compare benefits and pair this coverage with hospital indemnity plans or disability insurance for broader protection.

What’s covered and how it pays

Coverage often includes invasive cancer, heart attack, stroke, major organ transplant, end-stage renal failure, and more depending on the carrier. Choose a benefit amount that matches expected costs, and consider recurrence riders that can pay again after a new event. Benefits are paid to you, not a provider, so you decide how to use them. For Medicare enrollees, this can complement medicare advantage or medicare supplement by addressing non-medical expenses.

Who finds value

People with high-deductible plans, self-employed professionals without rich employer benefits, caregivers preparing for time away from work, and families with a history of serious illness often add this policy. We size benefits to your income, debts, and local cost of care so coverage fits your life.

FAQ – critical illness

Frequent Questions

Everyday Care, Lower Costs

A lump sum when health changes

Receive money on diagnosis of cancer, heart attack, or stroke to cover treatment and household bills. Compare carrier options with our help.