A serious diagnosis disrupts more than your health. Critical Illness insurance pays a lump-sum cash benefit directly to you — so you can focus on recovery, not bills.
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Understanding CHS
A simple, powerful benefit that pays you directly when a covered diagnosis occurs.
Critical Illness insurance — commonly called CHS (Cancer, Heart Attack & Stroke) insurance — pays a lump-sum cash benefit when you are diagnosed with or treated for a covered condition.
Common covered conditions include cancer, heart attack, stroke, major organ transplant, and end-stage renal disease. The benefit is paid directly to you, not to your doctors or hospital — and you can use it however you need to.
Most policies are affordable, easy to understand, and have no network restrictions or deductibles to worry about. If you are diagnosed with a covered condition, you receive your benefit — it is that straightforward.
You are diagnosed with a covered condition. Your policy pays a lump-sum cash benefit directly to you. You use the money however you choose — bills, travel, lost income, home modifications, or anything else you need.
NO RESTRICTIONS ON HOW YOU USE IT
Unlike health insurance claims, your CHS benefit has no network requirements, no claim forms for each expense, and no approval process for how you spend it.
Covered Conditions
CHS policies cover the most common serious diagnoses that disrupt lives and finances.
Invasive cancer diagnoses trigger a lump-sum benefit payment. Many policies also provide a separate, smaller benefit for early-stage (in-situ) cancer detection — rewarding early screening.
A heart attack diagnosis triggers your full benefit. The cash cushion helps cover cardiac rehabilitation, transportation to specialists, time away from daily responsibilities, and household bills during recovery.
Stroke recovery often requires home modifications, extended therapy, and caregiver support. Your CHS benefit provides the financial flexibility to focus on getting better — not worrying about costs.
Many policies also cover additional conditions such as major organ transplant and end-stage renal disease. Coverage details vary by carrier and state.
Medicare + CHS
Medicare handles the medical bills. CHS handles the life disruption that Medicare was never designed to cover.
Is CHS Right for You?
If these conditions run in your family, CHS provides a financial safety net that activates exactly when you need it most.
A major diagnosis can create thousands in unexpected costs. CHS gives you a cash cushion so a health crisis does not become a financial one.
CHS premiums are typically affordable and stable. You know exactly what you will receive if a covered event occurs — no surprises, no claim complications.
Simple Process
Three steps to financial protection — and it costs you nothing to explore your options.
Call or schedule a meeting with Jesse or Arnie. We learn about your health history, family background, and coverage goals — no pressure, no obligation.
We compare CHS policies across multiple carriers to find the best coverage and benefit amount for your situation and budget.
We handle all the paperwork. Your policy is active, and we review it with you every year during your annual plan review — all at no cost to you.
Part of a Complete Package
We help clients build complete protection packages that layer CHS alongside Medicare, Dental, Vision, Hearing, and Recovery Care — so every gap is covered.
Not sure which package is right for you? We will walk you through your options in a single, no-pressure conversation.
Explore Coverage Packages →Common Questions
No. CHS is designed to work alongside Medicare, not replace it. Medicare pays your doctors and hospitals. CHS pays you a lump-sum cash benefit to help cover the non-medical costs that come with a serious diagnosis — transportation, lost income, household bills, and more.
Most CHS policies cover cancer (invasive and sometimes early-stage), heart attack, and stroke. Many also cover major organ transplant and end-stage renal disease. Exact covered conditions and benefit triggers vary by carrier and policy — we help you compare the details.
CHS premiums are typically very affordable for seniors. The exact cost depends on your age, benefit amount, and the carrier. We compare options across multiple carriers to find the best value for your budget. There is no cost for our consultation.
It depends on the carrier and your specific health history. Some policies have waiting periods (typically 30–90 days after the policy starts) before cancer claims can be made. If you have had a previous diagnosis, some policies may exclude recurrence of the same condition. We review your situation honestly and tell you what is available.
You file a claim with your CHS carrier, providing proof of your covered diagnosis. Once approved, the benefit is paid directly to you — typically as a single lump-sum payment. There are no restrictions on how you use the money.
Schedule a free, no-obligation consultation. We will review your situation and help you decide if CHS coverage makes sense for you.