Frank M. Semeraro

(973) 229-0288
Individual, Family and Small Business


Critical Illness Insurance

Critical Illness Insurance is a supplemental health policy that can be a financial lifesaver if you’re diagnosed with one of the “big three” — Cancer, Heart Attack or Stroke by paying a Lump Sum Tax-Free Cash Benefit as soon as the individual is diagnosed with the illness.   There are also other illnesses that may qualify such as Alzheimer's, deafness, blindness and more.

While you are undergoing treatment or recovering for an extended period of time, you will still have to pay your health insurance premiums.  You will still need to pay insurance, rent or mortgage, credit card bills, school tuition, real estate taxes, food and utilities.

If you’re single, you might want a policy to ensure your mortgage is paid.   If you have a family, you may want to ensure your family is provided for if you can’t work due to ill health.

With advances in medicine, people are living longer even if they suffer from critical illnesses.  This means paying more treatment related costs.  Critical illness insurance is a way for people to help themselves stay ahead of the medical and out-of-pocket expenses that can accompany certain medical events.

Call me at (973) 229-0288 to schedule a consultation.