Rates and Information


Group Critical Illness Plan
The Group Critical Illness Insurance Plan, underwritten by Continental American Life Insurance Company, is designed to help you and your family cope with and recover from the financial stress of surviving a critical illness or condition.

The good news is that many people with critical illnesses survive these life-threatening battles. Unfortunately, as the recovery process begins, people become aware of the bills that have piled up. Your recovery doesn’t have to be spoiled by medical bills. That's why Benefit Alliance offers this plan that provides up to $50,000 in lump sum benefits payable if you or an eligible family member is diagnosed with a covered critical illness or condition!

According to statistics from the American Heart Association and the American Cancer Society:

  • 66% of heart attack victims survive at least one year or longer.
  • 75% of stroke victims live at least one year following the stroke.
  • 40% of life-threatening cancer patients beat the disease and are alive five years from diagnosis.

Key Benefits:

  • Lump Sum Benefit - Benefits are payable upon initial diagnosis of a covered illness or condition
  • Benefits are paid in addition to any other coverage you may have - and are paid directly to you!
  • Additional Occurrence Benefit - If an insured collects full benefits for a critical illness under the plan and later has one of the remaining covered illnesses or procedures, the policy will pay the full benefit amount for any additional illness. Occurrences must be separated by at least 6 months.
  • Child coverage at no additional cost!

Plan Features:

  • Your Choice of Benefit Amounts - Benefit amounts available from $5,000 to $50,000 for you and your spouse
  • Limited Underwriting - Approval is based on answers to simple medical questions contained on the application form
  • Portable Coverage - Keep the plan if you leave your job for any reason
  • Health Screening Benefit - Pays up to $50 per year for each adult insured for tests such as stress tests, mammography, colonoscopy, PSA, cholesterol test, and Pap smear, as well as a wide range of other screening tests

Covered Critical Illnesses:

  • Heart Attack (Myocardial Infarction)
  • Coronary Artery Bypass Surgery (25% of the face amount)
  • Stroke
  • Major Organ Transplant
  • Renal Failure (End stage)
  • Cancer
  • Carcinoma in situ (25% of the face amount)

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