Paid Directly to You
Eligible benefits are paid to you rather than directly to a hospital or healthcare provider.
Critical Illness & Specified Disease Insurance
Financial Support When a Serious Illness Changes Everything
A serious diagnosis can affect more than your health. Critical Illness Insurance can provide a cash benefit following a qualifying diagnosis under your policy — helping you focus on treatment, recovery, and the people who matter most.
Local, personalized insurance guidance for individuals and families.
Cash Benefit
Paid directly to you
Use it how you need it most.
What critical illness insurance offers
Protection designed around real-life needs
Use the Money Your Way
Depending on your needs, the benefit may help with deductibles, household expenses, transportation, childcare, lost income, or treatment that is not covered by your medical insurance.
Personalized Guidance
Kincaid Solutions helps you compare available options and understand important details such as covered conditions, benefit percentages, exclusions, waiting periods, and policy limits.
A simple, three-step path
How critical illness insurance works
Select Your Coverage
Review the available benefit amounts, policy options, and riders that may fit your needs and budget.
Experience a Qualifying Diagnosis
Coverage is based on the medical definitions, eligibility requirements, and conditions stated in your policy.
Receive the Eligible Benefit
Once a covered claim is approved, the benefit is paid according to the terms of your policy.
Critical Illness Coverage Options
Available coverage may include:
- Benefit amounts ranging from $10,000 to $50,000
- Standalone policy options offered in $10,000 increments
- Certain rider options offered in $5,000 increments
- Coverage options for eligible children when included with an adult policy
Coverage amounts, availability, underwriting requirements, and eligibility may vary.
Conditions That May Qualify for Benefits
Depending on the selected policy, benefits may be available for qualifying diagnoses or procedures such as:
- Internal cancer
- Heart attack
- Stroke
- End-stage renal failure
- Major organ transplant
- Pacemaker implantation
- Coronary artery bypass surgery
- Angioplasty
The amount paid may be a percentage of the total policy benefit. Certain conditions or procedures may qualify for a full benefit, while others may qualify for a partial benefit. Cancer benefits may also vary according to the type, stage, and medical definition of the diagnosis. Some early-stage cancers, skin cancers, pre-malignant conditions, or other excluded diagnoses may not qualify for the full benefit. Please review the applicable policy documents for complete definitions, limitations, exclusions, and benefit requirements.
How the benefit may help
A cash benefit may help with expenses like:
- Health insurance deductibles and coinsurance
- Treatment not covered by medical insurance
- Mortgage or rent payments
- Utilities and regular household bills
- Transportation and lodging during treatment
- Childcare or household assistance
- Income lost while recovering
Once an eligible benefit has been paid, you decide how to use the money based on your needs.
Additional protection
Specified Disease Insurance
Specified Disease Insurance may provide benefits associated with particular illnesses, procedures, hospital stays, or treatment needs.
Available benefits, deductibles, annual maximums, lifetime maximums, exclusions, and eligibility requirements depend on the selected policy.
Covered conditions or procedures may include
- Amputation
- ALS
- Angioplasty
- Internal cancer
- Coronary artery bypass surgery
- End-stage renal failure
- Heart attack
- Heart valve surgery
- Joint replacement
- Major organ failure or transplant
- Pacemaker or defibrillator implantation
- Ruptured aneurysm
- Stroke
Personalized guidance
You Do Not Have to Compare These Options Alone
Critical illness policies can differ significantly. Kevin and Joy can help you understand the available coverage and find an option that aligns with your health concerns, financial priorities, and budget.
Kevin Kincaid
Licensed Agent · Co-founder
Call Kevin
Joy Kincaid
Licensed Agent · Co-founder
Call JoyFrequently asked questions
Answers to common questions about critical illness insurance
Still have questions? Reach out — we'll get back to you within one business day.
No. Critical illness insurance is supplemental coverage. It is intended to provide an additional benefit following a qualifying diagnosis under the policy.
Once an eligible benefit is paid, it can generally be used according to your needs. This may include household bills, transportation, childcare, or other expenses.
Not necessarily. The benefit may depend on the type and stage of cancer and the definitions contained in the policy.
Some policy options may provide coverage for eligible children when they are included with an insured adult.
Policies may include waiting periods, survival periods, exclusions, medical definitions, and other eligibility requirements. These details should be reviewed before enrolling.
Free, no-obligation
Prepare Today for Life’s Unexpected Changes
Let Kincaid Solutions help you explore critical illness and specified disease insurance designed around your needs and budget.
Insurance products, benefits, availability, exclusions, and eligibility vary by policy and state. This page provides general information only and does not replace the terms, conditions, limitations, or exclusions contained in the applicable insurance policy.