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For Individuals.

Critical Illness Insurance


Provides money if you're diagnosed with a covered, serious condition1 to help keep your budget on track and savings intact while you work toward recovery.

Critical Illness Insurance does not cover the diagnosis or treatment of COVID-19.

Why do you need critical illness insurance?

Chances are you know someone who has faced a diagnosis covered by critical illness insurance:* common conditions such as a heart attack, cancer or stroke. Recovering can take a toll on well-being—and on finances. Critical illness insurance can help.

Concentrate on recovery

Knowing you’ll have enough money to cover day-to-day expenses and unexpected costs helps keep your focus on getting better. And you can also use the money to pay for out-of-network care or treatments not covered by your health insurance.

Pay for the things you need

The money critical illness insurance provides can be used in any way you wish: make up for lost wages or fund extra time off work, cover deductibles, co-pays, rehabilitation, travel for out-of-town care, babysitters, and more.

Jenny from Underwriting with family

How much critical illness insurance do you need?

Consider the full price of getting sick to figure out how much insurance is right for you. Even a $20,000 policy can make a big difference to a family facing a critical illness.

What would you pay out of pocket?

Critical illness insurance does not replace health insurance or reimburse you for medical care expenses. Consider how much patients themselves can pay for common conditions:

  • A cancer patient's out-of-pocket spending spikes within one to three months of their diagnosis. (American Cancer Society, "The Costs of Cancer," 2020 Edition)
  • The median cost of hospitalizations from a heart attack is more than $53,000 (American Heart Association, 2017)

What more might you need?

The money you invest to regain your health is worth every penny, but it can add up fast. You may not be able to work for a time, and you won’t want to worry about everyday expenses—things like:

  • Mortgage or rent payments
  • Tuition costs or student loan payments
  • Utilities or credit card debt
  • Additional childcare

Key advantages of critical illness insurance

Critical illness insurance provides money to you, not medical providers. Use it to pay for anything you need while you're sick.

Provides cash benefits directly to you

The amount you receive when diagnosed with most covered illnesses is equal to the amount of insurance you purchase—so if you buy a $20,000 policy, you’ll get a $20,000 check.1

Covers common, serious illnesses

If you’re faced with invasive cancer, heart attack, stroke or advanced Alzheimer's Disease, you’ll receive the full benefit amount.1

Freedom to choose the care you need

Work with health providers and facilities outside your network, or pay for non-traditional or complementary care not covered by typical health insurance plans.

Simple application, fast coverage

For the most common coverage amounts, you won’t need a medical exam, and there’s no waiting period before coverage starts for most illnesses and procedures.1

Insurance solutions that fit your needs

  • Sara, 41

    Married with two school-aged daughters

    Teacher earning $58,000/year

    High deductible health plan

    I saw my parents struggle to make ends meet after my father’s heart attack. I want to plan ahead.”
  • Patrick, 32

    Engaged with a child on the way

    Plumber earning about $47,000/year

    My family depends on my paycheck. If I can't work, we’ll need money to help make it through.”

Did you know?


of all U.S. bankruptcies are tied to medical issues, including many people who have health insurance (American Journal of Public Health Report, 2019)


of Americans with health insurance have a deductible of $1,000 or more (Kaiser Family Foundation/Health Research & Education Trust, Employer Health Benefits Survey, 2018)


of Americans don’t have savings available to cover an unexpected $1,000 expense (Bankrate’s Financial Security Index, January 2019)

Already have Assurity Critical Illness Insurance?

Why Assurity Critical Illness Insurance?

Mutual strength

For over 130 years, our financial strength has helped people support one another through difficult times.

A force for good

As a Certified B Corporation, we work toward positive impacts for employees, communities, and the environment.

Personal service

Get the customer service you need from real, responsive, and efficient people in our Lincoln, Nebraska headquarters.

Assurity also offers critical illness insurance benefits at your work.

Your employer may offer Assurity Critical Illness Insurance as part of the benefits you purchase at work. The way it works is similar, but the policy details will be specific to your organization.


CRITICAL ILLNESS INSURANCE PROVIDES LIMITED BENEFIT COVERAGE. It is not a comprehensive major medical plan or Medicare supplement policy.

This policy may contain reductions of benefits, limitations and exclusions. For costs and complete details of the coverage, please contact your insurance representative or Assurity to review the policy for more information.

Specified Disease Insurance Limitations and Exclusions

Pre-existing Condition – Assurity will not pay benefits for a specified disease that is caused by a pre-existing condition until after the policy has been in force for six months from the Issue date.

Exclusions – Assurity will not pay benefits for conditions that are caused by or are the result of the insured person: being exposed to war or any act of war, declared or undeclared; serving in the armed forces or units auxiliary thereto; being addicted to drugs or suffering from alcoholism; participating in a felony, riot or insurrection; engaging in aviation, other than as a fare-paying passenger on a scheduled or charter flight operated by a scheduled airline; intentionally self-inflicting an injury; or committing or attempting to commit suicide.

CRITICAL ILLNESS INSURANCE (SPECIFIED DISEASE 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.

Critical Illness Insurance (SPECIFIED DISEASE INSURANCE) does not cover the diagnosis or treatment of COVID-19.

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 No. I H1820 underwritten by Assurity Life Insurance Company, Lincoln, NE. Policy Form No. I H1820 (NY) underwritten by Assurity Life Insurance Company of New York, Albany, NY.

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.

1 For a list of specific covered conditions, percentage of benefit payable and details, as well as all limitations and exclusions, please refer to the actual policy. Heart attack does not include established (old) myocardial infarction occurring prior to the issue date, sudden cardiac arrest, cardiac arrest or cardiopulmonary arrest.

2 Base policy provides a $75,000 lump-sum benefit, based on a 41-year-old, non-smoking female earning $58,000 annually, total monthly premium $65.47

3 Base policy provides a $20,000 lump-sum benefit, based on a 32-year-old, non-smoking male earning $47,000 annually, total monthly premium $14.55