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Critical Illness

A different approach to protecting you and your family for…

More people today are surviving critical illnesses like cancer, heart disease and stroke. But many of the costs to diagnose and treat critical illnesses may not be paid by major medical insurance plans. Critical Illness insurance provides vital protection against the possible financial hardships associated with treating a critical illness, allowing you to focus on recovery.

You can choose to help protect you and your family from financial loss due to:




Heart Attack


End Stage
Renal Failure





did you know?

The Risks

  • Men have nearly a 1-in-2 lifetime risk of developing cancer. Women have a 1-in-3 risk.1
  • Nearly 1.3 million people suffer a heart attack each year in the U.S.2
  • Every 40 seconds on average, someone in the U.S. has a stroke.3

The Costs

  • The total overall cost of cancer in 2010 was estimated at 226.8 billion.4
  • The annual cost of cardiovascular disease and stroke in the U.S. is an estimated 297.7 billion.5
Critical Illness Insurance Benefits
  • Lump Sum Benefit up to $100,000 paid upon diagnosis OR
  • Lump Sum Benefit with a Schedule of Benefits
  • With a Choice of Return of Premium Levels
  • Benefits are paid directly to you (unless otherwise requested
    or required)

This Policy Offers Flexibility and Simplicity

Return of Premium

Critical Solutions insurance offers a 100% Return of Premium Benefit. This means if you keep your policy and rider in force for the designated period of time, you will receive a check for all premiums paid, less any claims.6

1American Cancer Society, Cancer Facts and Figures2012, 2012, p.1.
2“Heart Disease and Stoke Statistics-2012 Update: A Report from the American Heart Association,” Circulation, 2012.

4American Cancer Society, Cancer Facts and Figures2012, 2012, p.3.
5“Heart Disease and Stoke Statistics-2012 Update: A Report from the American Heart Association,” Circulation, 2012.
6The return-of-premium benefits are contained in rider form CHIC-8047, including state variations, where used.

Insurance policies underwritten by Washington National Insurance Company, home office: Carmel, IN.
LIMITED-BENEFIT POLICIES. These policies have limitations and exclusions. For costs and complete details of coverage, contact an agent.

The return of premium (ROP) or cash value (CV) (in MO, “cash return”) benefit is subject to state and product availability. The benefit has an additional charge and may pay minus claims or regardless of claims based on the policy selected. The policy must remain in force until the end of the ROP/CV period for the benefit to be paid.