Financial Protection When It Matters Most
Receive a lump-sum cash benefit upon first diagnosis of a covered critical illness, providing peace of mind for unexpected medical costs and daily expenses.
Get a Free QuoteWhat is CriticalGuard?
CriticalGuard is a supplemental critical illness insurance plan that pays out a lump-sum cash benefit if you are diagnosed with a serious illness such as cancer, heart attack, stroke, or other critical conditions. The money can be used however you need—medical bills, mortgage payments, lost income, or any other expenses.
Key Benefits
- Lump-Sum Payment – Get up to $100,000 in direct cash benefits.
- Covers Multiple Critical Conditions – Protection for cancer, heart disease, stroke, and other serious illnesses.
- No Network Restrictions – Use your payout with any doctor or hospital.
- Guaranteed Renewable for Life – Coverage continues as long as premiums are paid.
- Flexible Benefit Amounts – Choose coverage that fits your financial needs.
Lump-Sum Benefit
Upon first diagnosis of a covered illness, CriticalGuard pays a lump-sum benefit directly to you, which can be used for:
- Medical expenses not covered by insurance
- Everyday costs like rent, groceries, and transportation
- Lost wages if you're unable to work
- Caregiver support and home modifications
Qualifying Conditions Covered
Cancer Only
Covers life-threatening cancer, cancer in situ, benign brain tumors, and skin cancer
Heart & Stroke Only
Covers heart attacks, strokes, and heart-related conditions
Cancer + Heart/Stroke
Comprehensive coverage for both cancer and heart-related conditions
Full Critical Illness Plan
Covers cancer, heart conditions, advanced illnesses (e.g., Alzheimer's, ALS), and major organ transplants
Optional Add-Ons
Wellness Benefits
Covers routine exams and preventive screenings
Prescription Drug Coverage
Reduces costs on essential medications
Telemedicine
Access to virtual doctor visits with $0 copay
Plan Options
| Issue Age | Benefit Amount Options |
|---|---|
| 18-64 | $50,000 - $100,000 |
| 65-74 | $5,000 - $75,000 |
| 75-90 | $5,000 - $50,000 |
✅ Guaranteed issue available for lower benefit amounts (no medical underwriting required).
How It Works
Choose Your Coverage
Select a benefit level that fits your financial needs.
Apply Online
Fast, hassle-free application with no medical exam required for certain coverage levels.
Receive Benefits
If diagnosed with a covered illness, you receive a lump-sum cash benefit after a 30-day waiting period.
Use Your Money
Pay for medical bills, household expenses, lost wages, or any other financial needs.
Why Choose CriticalGuard?
- Comprehensive Coverage – Protection against cancer, heart disease, stroke, and major illnesses.
- Financial Security – Helps cover expenses beyond what health insurance pays.
- No Deductibles or Copays – You receive a lump sum without worrying about medical costs.
- Portable Coverage – Keep your policy even if you change jobs or move to another state.
- Trusted Provider – Backed by UnitedHealthcare, one of the nation's most trusted insurance providers.
Take Control of Your Financial Future
A critical illness diagnosis can be overwhelming, but financial stress doesn't have to be. Protect yourself and your family today with CriticalGuard.
Get My Free Quote