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Help Protect Your Financial Independence With Our Critical Illness Insurance  

Critical Illness Insurance

Every day many Americans face the difficult reality of how to cope with a serious health diagnosis. According to the American Cancer Society, in 2020, there will be an estimated 1.8 million new cancer cases diagnosed in the United States. Critical illness — such as life-threatening cancer, heart attack and stroke — can be one of the greatest threats to your desire to be financially independent. Recovery from a critical illness is often lengthy and expensive — involving the potential loss of your personal wages and your ability to pay for care and treatment.

Critical illness insurance, which does not replace the need for health insurance, can help protect you from potential financial hardship when a critical illness happens. The policy pays you a benefit to help protect your quality of life with the freedom to use the money however you choose. You may want to use the money to pay off debts, supplement lost income, take advantage of experimental treatments, arrange for child care while recovering, take a trip or simply maintain your quality of life.

Filling Gaps in Your Current Coverage

Western & Southern Life's Critical Illness Insurance helps you fill the financial gaps not covered by your traditional health, disability, life and accident insurance. Our policy pays upon first diagnosis 100 percent of your maximum benefit if you:

  • Have a heart attack (myocardial infarction), as defined in the policy
  • Are diagnosed with life-threatening cancer (malignant neoplasm), as defined in the policy
  • Have a stroke, as defined in the policy
  • Have a major organ transplant, as defined in the policy
  • Are diagnosed with end-stage renal failure, as defined in the policy

One other important feature of our Critical Illness Insurance is the return of premium (not available in Florida or Minnesota) if you are not diagnosed with cancer and do not suffer a heart attack, stroke or any other covered illness. Upon your death, if the policy is in force, we will return to the owner or to the owner's beneficiary if the owner is deceased or to the owner's estate if there is no beneficiary, 100 percent of all premiums (excluding the Accidental Death Benefit, an available policy rider) paid minus any benefits paid.

Know Your Critical Illness Insurance Facts

Take a couple of minutes to learn these important critical illness facts so you can plan for the unexpected with benefits you can count on. Critical illness insurance for the living can help protect you from potential financial hardship.

Give us a call 844-543-3494 844-543-3494

Learn More About Critical Illness Insurance

Start with these educational articles to help empower you to make more informed decisions about your financial future.
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Why Critical Illness Insurance From Western & Southern?

When you’re looking for protection from potential financial hardship in case of critical illness, you want to partner with a company with a history of financial strength. Western & Southern, one of the strongest life insurance groups, has a heritage of helping people secure their futures. A knowledgeable financial representative is available to help you with your critical illness insurance needs. 


Critical Illness insurance does not replace the need for health insurance.

Critical Illness and Critical Illness Plus Limited Benefit Policy series 0907-80 and 0907-80-U issued by The Western and Southern Life Insurance Company.

The Western and Southern Life Insurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, MA, and NY.

Critical Illness coverage is not comprehensive health insurance coverage (often referred to as "Major Medical Coverage"). It does not satisfy the individual mandate of the Patient Protection and Affordable Care Act. It does not meet the requirements of minimum essential coverage as defined by federal law.

This policy contains exclusions, limitations, reduction of benefits and terms for keeping them in force. Product availability, benefits, coverage, exclusions and limitations may vary by state.

Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.