Critical Illness

Critical Illness Insurance pays a lump sum benefit if you are diagnosed with a covered illness or condition on or after your coverage effective date.  Critical Illness Insurance covers you for diseases or illnesses like a heart attack or stroke.  Critical Illness Insurance is a limited benefit policy.  This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.  

The Critical Illness Insurance benefit may be used for medical expenses, child care, mortgage payments or everyday expenses like utilities or groceries.  

You may elect coverage for yourself, your spouse and children.  You must elect coverage for yourself first in order for coverage to be available to your spouse and child(ren).  

Critical Illness Insurance is guaranteed issue.  There are no medical questions or tests to enroll in this coverage.  However, pre-existing conditions may apply.  See the certificate of insurance and any riders for a complete list of available benefits along with applicable provisions, exclusions and limitations.  

For more information, go to: https://presents.voya.com/EBRC/CherryCreek or call 877-236-7564 for customer service.