Who Offers the Best Critical Illness Insurance?

Shawn Plummer

CEO, The Annuity Expert

Who Offers the Best Critical Illness Insurance?

Assurity stands out as a top provider of critical illness insurance, offering a comprehensive and flexible policy. Here are the key features that make Assurity’s critical illness insurance particularly appealing:

1. Coverage for Multiple Conditions

  • Broad Coverage: Assurity’s critical illness insurance covers up to 12 different conditions, providing a broad range of protection.
  • Conditions Included: These conditions typically include major illnesses such as cancer, heart attack, stroke, and more.

2. Immediate Payout Upon Diagnosis

  • Quick Financial Support: Assurity pays the benefit upon diagnosis of a covered condition, which means policyholders don’t have to wait until they start treatment to receive the payout.
  • Ease of Mind: This immediate financial support can be crucial in helping with costs right from the time of diagnosis.

3. Flexible Use of Benefits

  • No Restrictions: The benefit can be used in any way the policyholder chooses. This could include medical expenses, living expenses, or any other financial needs.
  • Personalized Support: This flexibility allows individuals to use the funds in the manner most beneficial for their unique situation.

4. Multiple Benefit Payouts

  • Category-Based Benefits: Assurity pays benefits for each of the three categories of illnesses, meaning a policyholder can potentially receive a benefit three times for different conditions.
  • Enhanced Protection: This feature provides additional financial security if the policyholder faces multiple critical illnesses over time.

Related Reading: Does Critical Illness Have A Death Benefit?

5. No Medical Exam for Benefits up to $75K

  • Simplified Underwriting: For benefits up to $75,000, Assurity offers policies without needing a medical exam.
  • Convenience and Accessibility: This makes the application process quicker and more accessible for many applicants.


Assurity’s critical illness insurance offers comprehensive coverage with benefits for up to 12 conditions, immediate payout upon diagnosis, flexible use of benefits, potential for multiple benefit payouts, and a no medical exam option for policies up to $75,000. These features make it an excellent choice for individuals seeking robust and flexible critical illness coverage.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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