Critical Illness Insurance

(A limited benefit policy)

Critical Illness Insurance provides a lump-sum benefit, payable upon diagnosis of a covered condition. Employees can then use the benefit as they see fit – to meet regular month-to-month expenses, co-pays, deductibles, child-care – or anything else they choose. Coverage is available to your employees, their spouses and dependent children and can allow portable,1 ongoing coverage.

Optional Riders2 include:

Compass Critical Illness Insurance

  • Recurrence Rider
  • Restoration of Benefits Rider
  • Wellness Benefit Rider

The Recurrence Rider provides a benefit for a second occurrence of the same covered condition. The Restoration of Benefits Rider provides a second benefit if diagnosed with a different covered condition. The Wellness Benefit Rider pays an annual benefit for health screening tests.

Premier Critical Illness Insurance

  • Restoration Benefit Rider
  • Occupational HIV Benefit Rider
  • Wellness Benefit Rider

The Restoration Benefit Rider provides a benefit that will restore the maximum benefit amount one time for a future occurrence or reoccurrence of a covered condition. The Occupational HIV Benefit Rider provides an additional benefit in the event the employee is infected with HIV due to an occupational accident. The Wellness Benefit Rider pays an annual benefit for health screening tests.

1 Portability may vary by state
Rider availability may vary by product and state