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Opportunities in Today's Market

Many middle-class Americans who face cancer, heart disease or other serious illnesses also face thousands of dollars of debt. Fundraisers on crowdfunding websites like GoFundMe have become a popular way to find financial help in times of a healthcare crisis – yet only one in 10 campaigns meets its goal.*

The need is real. Think of the difference $30,000 could make for a person who has just been diagnosed with a serious illness. There’s never been a better time to sell critical illness insurance.

*Source: Chicago Tribune, “Medical GoFundMe campaigns are a symptom of a sick health insurance system,” August 23, 2018.

How Our Product and Process Differ

Consumers often express how the traditional process for buying insurance is too long and complicated. At Assurity, we heard the message loud and clear. We’ve taken steps to streamline the process with our Critical Illness Insurance.


Our in-depth guide gives you all the details, but here are the key highlights:

Flexible lump-sum benefit amounts

from $5,000 to $75,000 for simplified underwriting (full underwriting for amounts from $75,001 to $500,000); 18 to 70 (age last birthday)

Return of premium (ROP) options

ROP upon death is not caused by a critical illness. A return of premium rider is also available, which returns a percentage of premiums if the policy is cancelled or lapses.

Multi-benefit payout

Unlike many CI policies that are “one and done,” ours pays for each different critical illness covered in the policy if the diagnosis is separated from the prior critical illness by at least six months.

Competitive commissions

Both up front and at renewal – a highlight of your book of business.

Underwriting Made Easy

Our process makes life easier for you and your clients.

Easy E-App

With just a few health questions and an instant decision, our E-application process can be completed in minutes.

No Medical Exams

Skip invasive, time-consuming exams and speed up sales with no medical exams required for your clients.

Policy Delivery

Our quick policy issue makes you money, with an average two-day turnaround for apps in good standing.


Tips from the Insurance Pros

Don’t know where to start, how to get conversations going, or what works to generate sales? Listen to some of our top pros explain their proven methods for prospecting and generating sales.

Tools to help you sell

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CRITICAL ILLNESS INSURANCE PROVIDES LIMITED BENEFIT COVERAGE. It is not a comprehensive major medical plan or Medicare supplement policy. The description of benefits is intended only to highlight the insured’s benefits and should not be relied upon to fully determine coverage. If this description conflicts in any way with the terms of the policy, the terms of the policy prevail. For complete benefits descriptions and conditions, see the policy.

Circular 230 Disclosure: Any U.S. tax information contained in this communication is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or recommending to another party any matters addressed herein.

Policy Form Nos. I H0810, CI 005, l H0820, CI 007 and Rider Form Nos. A-R 130, R I0812, CIR 016, CIR 018, R I0811, R I0822 and R I0821 underwritten by Assurity Life Insurance Company, Lincoln, NE.

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.