where can i get critical illness insurance?

• Diane Hall - Aflac Insurance Agent - 5825 Finish Line Dr, Hope Mills, NC 28348, United States
• Jerry Clemmons - Aflac Insurance Agent - 375 Rock Hill Rd, Fayetteville, NC 28312, United States
• Olde Fayetteville Insurance - 1308 Fort Bragg Rd, Fayetteville, NC 28305, United States
• Independent Insurance Group DBA: Triangle Risk Advisors, Inc - 921 S McPherson Church Rd, Fayetteville, NC 28303, United States
• Thomas Owen - State Farm Insurance Agent - 6040 Cliffdale Rd, Fayetteville, NC 28314, United States
• Insurance of the Carolinas - 2500 Raeford Rd, Fayetteville, NC 28305, United States
• Olde Fayetteville Insurance - 201 Hay St, Ste 301, Fayetteville, NC 28301
• Ai insurance - 226 Rowan St, Fayetteville, NC 28301, United States
• Callahan & Rice Insurance Group Inc - 129 Franklin St, Fayetteville, NC 28301, United States
• Phil Harris - State Farm Insurance Agent - 150 Andrews Rd #5A, Fayetteville, NC 28311, United States
• Hurley Insurance Group - 134 N McPherson Church Rd, Fayetteville, NC 28303, United States
• Statewide Insurance - 912 Hope Mills Rd, Fayetteville, NC 28304, United States
• Protective Life Insurance - 304 Mason St, Fayetteville, NC 28301
• Warren Insurance Group - A Highstreet Partner - 639 Executive Pl Ste 200, Fayetteville, NC 28305, United States

Yes. If you're in Fayetteville, NC, you have several ways to get critical illness insurance.

Critical illness insurance is supplemental coverage: it typically pays you a lump sum after a covered diagnosis such as cancer, heart attack, or stroke. You can use the money for medical expenses, deductibles, mortgage/rent, transportation, childcare, or other bills.

Places to start

• Diane Hall - Aflac Insurance Agent — Hope Mills. Aflac commonly offers critical illness coverage as supplemental insurance.
• Jerry Clemmons - Aflac Insurance Agent — Fayetteville. Another local Aflac agent option.
• Olde Fayetteville Insurance — Fayetteville. An independent agency that works with numerous health/life carriers, so it's worth asking whether they can compare critical-illness policies.
• Independent Insurance Group DBA: Triangle Risk Advisors, Inc — Fayetteville. Independent agency offering health/life-related insurance and benefits.

You can also investigate policies directly from insurers. For example, aetna.com include critical illness plans, and cigna.com explains its lump-sum benefit structure.

One important thing

Don't confuse critical illness insurance with regular health insurance. Critical illness coverage generally has a specific list of covered conditions, exclusions, waiting periods, and sometimes restrictions involving pre-existing conditions. Blue Cross NC specifically notes that supplemental plans can treat pre-existing conditions differently from ACA health insurance.

If you tell me your age, whether you're looking for individual or employer coverage, and roughly how much coverage you want (e.g. $25k, $50k, or $100k), I can help you compare the best options and estimate what you might pay.

You can get critical illness insurance through major supplemental health and life insurance providers, your employer's workplace benefits, or private online insurance brokers.

Where to Buy Critical Illness Insurance

• Workplace Benefits: Check with your employer's HR department during open enrollment. Group policies offered through work are often cheaper and may not require medical underwriting.
• Specialty and Major Insurers: Companies like Aflac offer direct supplemental policies, and Mutual of Omaha provides individual critical illness and specific disease coverage.
• Major Health and Life Providers: Companies like MetLife and UnitedHealthcare offer individual supplemental plans designed to pay cash benefits upon the diagnosis of a covered serious illness like cancer, stroke, or heart attack.
• Independent Brokers and Marketplaces: Online digital insurance brokerages (such as Breeze or Policygenius) allow you to compare independent individual policies from various carriers like Assurity or Guardian Life side by side.

If you tell me whether you are looking for individual coverage or an employer-sponsored plan , I can help you figure out which provider matches your needs best.

• I DO Insurance - La Plata, MD 20646
• Shelly T Prout - Aflac Insurance Agent - 2215 Barnstable Dr, Upper Marlboro, MD 20774, United States
• Western & Southern Life - 9658 Baltimore Ave #200, College Park, MD 20740, United States
• Oakpoint Insurance - 3146 Old Washington Rd, Waldorf, MD 20602, United States
• A.F. Szabo Insurance Agency Inc. - 11705 Berry Rd Ste 101, Waldorf, MD 20603, United States
• First Insurance Group of Maryland, Inc. - 101 Charles St Ste 302, La Plata, MD 20646, United States
• Life Care Benefit Services - 2200 Columbia Pike Ste 1103, Arlington, VA 22204, United States
• Joseph W. McCartin Insurance, Inc. - 5000 Sunnyside Ave Ste 200, Beltsville, MD 20705, United States
• Edward L Sanders Insurance Agency Inc - 10 Washington Ave, La Plata, MD 20646, United States
• Transamerica Occidental Life Insurance Company - 5000 Sunnyside Ave, Beltsville, MD 20705
• OakPoint Insurance - 3695 Hallowing Point Rd Ste 5, Prince Frederick, MD 20678, United States
• OakPoint Insurance - 1999 Chaneyville Rd, Owings, MD 20736, United States
• Clark Insurance Agency, LLC - 14418 Old Mill Rd #101, Upper Marlboro, MD 20772, United States

If you mean critical illness insurance—a supplemental policy that pays you a lump sum if you’re diagnosed with a covered serious illness—you have several options in Maryland.

Where to look

• I DO Insurance in La Plata — an independent broker that specifically lists critical illness coverage among its supplemental benefits. This could be a good local starting point because an independent broker can compare carriers.
• Shelly T Prout - Aflac Insurance Agent — Aflac offers critical-illness supplemental coverage, and this is a local Aflac agent in Maryland.
• Western & Southern Life — its Maryland office lists critical illness insurance among its products.
• You can also ask your employer's benefits department. Critical illness insurance is commonly offered as a voluntary benefit, often with premiums deducted from your paycheck.

The important distinction is that critical illness insurance is not a replacement for regular health insurance. It generally pays you cash after a qualifying diagnosis, which you can use for deductibles, mortgage/rent, transportation, lost income, or other expenses.

If you're in Maryland, the insurance.maryland.gov can also verify whether an insurance company or agent is licensed.

If you tell me your age, whether you want individual or employer coverage, and roughly how much coverage you want (e.g. $25k, $50k, $100k), I can look up the best current options and approximate pricing for you.

You can purchase critical illness insurance through several main channels depending on whether you want an individual policy or a workplace benefit.

• Through Your Employer: Many companies offer critical illness insurance as a voluntary or supplemental benefit during open enrollment. This is often the most affordable route because group rates are lower and they usually require no medical exam. Check with your company’s HR or benefits portal.
• Major Insurance Carriers (Standalone Policies): Several national insurance companies sell supplemental health and critical illness policies directly to individuals. For example, you can look into options via UnitedHealthcare Critical Illness Insurance or supplemental offerings from providers like MetLife Critical Illness Insurance . Other major life and health insurers (such as Aflac, Mutual of Omaha, and Prudential) also offer these plans.
• Independent Insurance Brokers / Marketplaces: Working with an independent insurance agent or a digital insurance marketplace allows you to compare quotes, coverage limits, and definitions of "covered illnesses" across multiple different insurance companies simultaneously to find a policy that fits your budget and health needs.

If you'd like, let me know:

• Are you looking for coverage through your job or an individual private plan?
• Do you want a standalone policy or a rider added to a life insurance policy?

I can help guide you on what to look for in the policy details.

Yes. If you’re in New Jersey, critical illness insurance is usually a supplemental policy that pays you a lump sum if you’re diagnosed with a covered serious illness—such as certain cancers, heart attack, or stroke. It is not a replacement for regular health insurance.

Places to start

• Prudential Financial — Prudential offers critical illness coverage, including through some employer/association programs. NJEA, for example, offers a Prudential-issued critical illness plan to eligible members.
• Jersey Insurance Solutions - Medicare & Health Insurance — A local independent insurance agency/broker in Sparta that you could contact and ask specifically for individual critical illness insurance quotes.
• Your employer — Check your employee benefits portal. Critical illness insurance is commonly offered as a voluntary supplemental benefit, often with payroll deductions.
• Insurance broker — An independent broker can compare multiple carriers rather than limiting you to one company's policy.

Important: Don't confuse critical illness insurance with ordinary health insurance. Your NJ health insurance can cover medical treatment, while critical illness insurance can provide cash directly to you to help with deductibles, mortgage/rent, lost income, travel, childcare, etc.

If you tell me your age, whether you want individual or family coverage, and roughly how much coverage you want (e.g. $25k, $50k, or $100k), I can search for specific critical-illness policies available to you in New Jersey and compare them by coverage and estimated cost.

You can get critical illness insurance through several different channels depending on whether you want a standalone policy or a workplace benefit.

• Through your employer: Many companies offer voluntary group critical illness insurance during open enrollment. These workplace plans are often the most affordable and usually require no medical exams or health questionnaires to qualify. Check with your HR or benefits department.
• Major supplemental insurance companies: Providers like Aflac offer customizable individual plans with various riders (like cancer or return-of-premium benefits). Other prominent national providers include Colonial Life and Guardian Life.
• Traditional health and life insurers: Major companies such as UnitedHealthcare (underwritten by Golden Rule Insurance Company), Mutual of Omaha , and New York Life offer supplemental policies or riders that can be added to existing life insurance coverage.
• Independent insurance brokers or marketplaces: An independent broker can help you compare standalone policies from multiple carriers to match your specific medical history, budget, and state availability.

To help narrow down the best path, do you want to get coverage through your job or look into buying a private, standalone individual policy?

You can purchase critical illness insurance through several different avenues depending on whether you want an individual policy or coverage through your workplace.

1. Through Your Employer (Group Coverage)

• Voluntary Workplace Benefits: Many employers offer critical illness insurance as a voluntary, employee-paid (or partially employer-paid) benefit during open enrollment.
• Providers: Companies like Aflac, Colonial Life, Guardian Life , and MetLife partner extensively with corporate HR departments to provide these group policies.
• Pros/Cons: Group plans are usually more affordable and typically require fewer (or zero) health questions/medical exams, but they may not be portable if you leave the company (though some MetLife and major carrier policies allow you to take them with you).

2. Directly From Insurance Providers (Individual Policies)

If your employer doesn't offer it, or if you want a custom policy you own independently, you can buy individual plans directly from private insurers. Top companies offering individual direct policies include:

• Assurity: Known for simple, streamlined plans covering common major illnesses with streamlined approval processes. You can explore options via the Assurity Critical Illness Overview.
• Mutual of Omaha: Offers flexible individual and family protection options. Learn more at Mutual of Omaha Employer and Individual Plans.
• UnitedHealthcare (Golden Rule): Offers customizable supplemental cash-benefit plans in many states. Check plans on UnitedHealthcare Dental, Vision, and Supplemental Plans.
• Aflac: Sells individual policies directly to consumers outside of the workplace as well.

3. Through an Independent Insurance Broker or Marketplace

• Brokers: Working with an independent insurance broker allows you to compare quotes from multiple specialized carriers (such as Assurity, Mutual of Omaha, and smaller boutique insurers) to find a policy matching your specific budget and health background.
• Online Insurance Marketplaces: Sites that aggregate supplemental and health-adjacent coverage can give you side-by-side comparisons of monthly premiums and payout limits.

If you'd like to narrow this down, let me know:

• Are you looking for coverage through your job or an individual plan?
• Do you have a specific health condition or family medical history you are trying to cover?

I can help you estimate costs or determine the right coverage amount.

If you’re in Texas, you can get critical illness insurance (a supplemental policy that usually pays you a lump-sum cash benefit after a covered diagnosis such as cancer, heart attack, or stroke) from several places:

Places to check

• Through your employer’s benefits program — Many employers offer critical illness coverage during open enrollment, often through carriers such as Unum or Aflac.

• Directly from insurance companies

  • UnitedHealthcare offers supplemental critical illness plans in many states, including Texas options.
  • USAA offers critical illness coverage for eligible members.
  • Blue Cross and Blue Shield of Texas offers supplemental products that include critical illness coverage options.

• An independent insurance agent or broker — An agent can compare multiple carriers and help match coverage amounts and premiums. Texas provides tools to verify licensed insurance companies and agents.

• Membership organizations — Some professional or association benefit programs offer group critical illness plans, sometimes underwritten by large insurers.

Before buying, compare:

• Covered conditions (some policies cover only a defined list)
• Benefit amount (for example, $10,000, $50,000, $100,000)
• Waiting periods and exclusions
• Whether premiums increase with age
• Whether the policy stays with you if you change jobs

If you tell me your age range, whether you have employer health insurance, and whether you’re looking for individual coverage in Texas or through work, I can help narrow down the best places to shop.

You can get critical illness insurance (CII) through three primary channels, depending on whether you want a group policy or an individual plan.

1. Through Your Employer (Group Coverage)

Many major companies offer critical illness insurance as a voluntary or supplemental benefit during open enrollment.

• Providers: Often administered by major group carriers like MetLife, The Hartford, Guardian Life , or Aflac.
• Pros: Usually cheaper, deducted straight from your paycheck, and typically requires no medical exam or underwriting questions.

2. Directly From Individual Insurance Companies

If your employer doesn't offer it, or if you are self-employed, you can buy individual standalone policies or riders directly from private insurers.

• Providers: Companies such as Aflac, Mutual of Omaha, Assurity, UnitedHealthcare (Golden Rule) , and Wellabe offer direct-to-consumer individual policies.
• Pros: Fully customizable payout amounts (often ranging from $5,000 to $100,000+ ), and you can pick specific coverage blocks (like just cancer or heart/stroke focus).

Watch this brief overview from The Hartford to see how critical illness benefits pay out cash following a serious diagnosis:

26s Critical Illness Benefits Overview | The Hartford 7 months ago YouTube · The Hartford

3. Through an Insurance Broker or Financial Institution

Independent insurance brokers or online insurance marketplaces can compare quotes across multiple private carriers simultaneously to match your budget and health history.

• Where to look: Independent local brokers, financial institutions, or digital insurance platforms.

To help me point you toward the best specific provider or route , could you tell me:

• Are you looking for coverage through your job or an individual plan?
• Do you have a specific illness (like cancer or heart disease) you are most concerned about covering?

If you’re in California, you can get critical illness insurance (a supplemental policy that usually pays you a lump sum if you’re diagnosed with a covered condition like cancer, heart attack, or stroke) through several routes:

1. Through your employer (often the easiest/cheapest)

Many employers offer critical illness coverage as a voluntary benefit during open enrollment. Common carriers include:

• Aflac
• MetLife
• The Standard
• Anthem Blue Cross supplemental plans

Check your HR benefits portal or ask whether you have “critical illness,” “specified disease,” or “supplemental health” insurance.

2. Buy an individual policy

You can contact insurers or an independent insurance broker who can compare multiple carriers. In California, you can verify that an insurer or agent is licensed through the California Department of Insurance.

Companies that may offer critical illness or related supplemental coverage include:

• Anthem Blue Cross (offers critical illness supplemental coverage through LifeSecure products)
• Cigna
• Aetna
• Guardian Life Insurance Company of America

3. Through a licensed insurance broker

A broker can shop several plans and compare:

• Benefit amount (for example, $10,000–$100,000 lump-sum benefit)
• Covered illnesses
• Waiting periods
• Pre-existing condition exclusions
• Premiums

Before buying, check:

• What illnesses qualify? (“Cancer” definitions can vary.)
• Partial vs. full payouts (some policies pay a percentage for certain diagnoses).
• Survival periods (some require you to survive a certain number of days after diagnosis).
• Whether it’s portable if you leave your employer.
• Whether it supplements—not replaces—health insurance. Critical illness policies generally do not count as regular medical coverage.

If you tell me your age, state (if not California), whether you have employer insurance, and how much coverage you want (e.g., $25k/$50k/$100k), I can help narrow down the best places to shop.