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Critical Illness Insurance

A serious illness, such as cancer or heart attack, affects 1 in 4 women and 1 in 5 men before retirement age. Critical Illness Insurance also known as dread disease coverage, is designed to ease the financial pressures by paying a tax-free lump sum if you become seriously ill or totally disabled.

Benefits pay on the diagnosis of certain specified critical illnesses. One must normally survive at least one month before the policy pays out. The range of diseases covered has increased to more than 30, though contracts differ from one company to another. All should cover 7 core conditions. These are cancer, coronary artery bypass, heart attack, kidney failure, major organ transplant, multiple sclerosis and stroke. They will also pay out if a policyholder becomes permanently disabled as a result of injury.

Terms of the policy such as number of years of coverage and payout options exist. Most providers offer coverage to persons between the ages of 17-70 and typically there is a waiting period of three months before you can make a claim.

The Major League  Alumni Services is now pleased to offer the members of the Major League Baseball Players Alumni Association (MLBPAA)  an opportunity to receive a free quote for Critical Illness Insurance through Cook & Associates.

Contact Cook & Associates today for more information and/or a quote with no risk or obligation.