Supplemental Critical Illness Insurance from American General

More than 60 percent of bankruptcies are medically related.

Base Policy Features

  • Pays tax-free (based on current federal income tax laws) single-payment benefit of up to $500,000 directly to the policyholder, regardless of coverage by other sources
  • Covers broad range of conditions most likely to cause major lifestyle changes, including cancer, heart attack, stroke and kidney failure
  • Provides up to $50 per year for a wide variety of medical tests
  • Spouse and child(ren) coverage available
  • Non-medical underwriting up to $100,000; full underwriting over $100,000
  • Includes the Loss of Independent Living Benefit, which references the inability to perform at least 2 of 6 Activities of Daily Living: bathing, dressing, toileting, transferring, continence and eating
  • The only critical illness plan with term options: 10-year, 15-year, 20-year, 30-year and lifetime plans available
  • Returns premiums paid from the original effective date less any benefits to the policy owner upon death Rider Options
  • Occupational HIV Rider for medical professionals
  • Benefit Extension Rider provides coverage for additional diagnoses of a critical illness and delivers benefits beyond base policy for:
    • a critical illness that is different from all previously diagnosed critical illnesses; or
    • a critical illness that is the same as a previously diagnosed critical illness; rider can provide benefits upon a second or third diagnosis
  • The Accidental Death and Dismemberment Rider pays an additional lump-sum cash benefit in the event of an accidental dismemberment or loss of life