Case Study

Bob buys a 24 month Critical Care policy with a base benefit of $3,000 a month. Six months after his policy is delivered, Bob suffers a stroke.

He spends six months in a nursing home, then moves home to finish his rehabilitation, which takes another six months.

Three years later, Bob has another stroke. He spends eight months in the nursing home before he passes away.


First Stroke:
Bob spent six months in a nursing home
Policy pays $6,000 a month = $36,000

Bob spent six more months recovering at home
Policy pays $3,000 a month = $18,000

Even if recovered, Bob receives benefits for full 24 months
Policy pays $3,000 a month = $36,000

Second Stroke:
Bob spent eight months in a nursing home
Policy pays $6,000 a month = $48,000

Bob's family receives balance in a lump sum payment
Policy pays $3,000 for remaining 16 months = $48,000

Total Policy Benefits: $186,000

Benefits are not available in all states. 
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Did You Know?

Cancer, heart attacks & strokes caused 80% of new critical illness claims in 2010." 1

Alzheimer's, Strokes and Cancer represent over 70% of Long Term Care claims paid." 2

1 in 2 men & women will be diagnosed with cancer during their lifetime." 3

A Critical Care Plan can pay cash benefits upon diagnosis for all covered conditions — and benefits may increase when confined to an Assisted Living Facility or Nursing Home as a result."

5 Reasons WhyCritical Illness Insurance Can Help You:

  • Be comfortable while you recover
  • Get the treatment you need
  • Spend time with your family and friends
  • Keep your home and other assets
  • Peace of mind knowing you're covered!


(1) Society of Actuaries Report and Genworth Claims Data
(2) American Association of Critical Illness Insurance Study Conducted by Gen Re, 2011 **Society of Actuaries Report
(3) Cancer of All Sites - SEER Stat Fact Sheet. Surveillance Epidemiology and End Results, http://seer.cancer.gov/statfacts/html/all.html.