Long-Term Care & Critical Illness Planning


Cancer, heart attack or stroke can strike at any time and when it does, you'll need cash.

Critical illness insurance provides the lump-sum cash benefit you need, when you definitely need it most.

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"Estimated numbers of new cancer cases and deaths in 2020 (In 2020, there will be an estimated 1.8 million new cancer cases diagnosed and 606,520 cancer deaths in the United States.)"

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  • Stroke kills about 140,000  Americans each year—that’s 1 out of every 20 deaths.1

  • Someone in the United States has a stroke every 40 seconds. Every 4 minutes, someone dies of stroke.2

  • Every year, more than 795,000 people in the United States have a stroke. About 610,000 of these are first or new strokes.2

  • About 185,000 strokes—nearly 1 of 4—are in people who have had a previous stroke.2

  • About 87% of all strokes are ischemic strokes, in which blood flow to the brain is blocked.2

  • Stroke costs the United States an estimated $34 billion each year.2 This total includes the cost of health care services, medicines to treat stroke, and missed days of work.

  • Stroke is a leading cause of serious long-term disability.2 Stroke reduces mobility in more than half of stroke survivors age 65 and over.2

Heart Attack


Coronary Heart Disease (CHD)

• Heart Disease remains the number 1 cause of death in the US.

• Coronary heart disease accounted for approximately 13% of deaths in the US in 2017, causing 365,914 deaths.

• According to data from 2005 to 2014, the estimated annual incidence of heart attack in the US was 605,000 new attacks and 200,000 recurrent attacks. The average age at the first heart attack was 65.6 years for males and 72.0 years for females.

• Approximately every 40 seconds an American will have a heart attack. • From 2007 to 2017, the annual death rate attributable to coronary heart disease declined 28.1% and the actual number of deaths declined 10.0%, but the burden and risk factors remain alarmingly high. • The estimated direct and indirect cost of heart disease in 2014 to 2015 (average annual) was $218. 7 billion.

• Heart attacks ($12.1 billion) and Coronary Heart Disease ($9.0 billion) were 2 of the 10 most expensive conditions treated in US hospitals in 2013.

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Not affiliated with CMS, Medicare or any other federal and state agency.