Critical Illness Insurance can be stressful
Navigating critical illness insurance can be perplexing, especially when weighing premium affordability against the right coverage. Tackling underwriting and health assessments only adds to the complexity. Factor in potential overlapping coverage from employer-provided plans, and it gets even more complex. Moreover, the claims process can seem like an uphill battle. But fear not, as your trusted brokers, we’ll guide you through each challenge, ensuring your protection is both comprehensive and tailored to your needs.
What We Do
We offer you a range of insurance options from different carriers, each with their own prices and coverage, to find the perfect plan for you.
We provide a personal touch - from start to finish, you'll have a single point of contact, a real person who's here for you. No bouncing between multiple customer service reps.
We ensure accuracy - with online insurance calculators, it's easy to make mistakes without even realizing it. This can lead to either overpaying for coverage or being underinsured. When you work with us, you're partnering with trusted professionals you can count on.
We educate you - as licensed brokers, we meet higher standards compared to online insurance tools, banks, or direct writers.
common misunderstanding is that you'll pay extra due to the brokerage's commission. But that's not the case. We're paid by the insurance companies, not you. And rest assured, we only recommend plans that truly fit your needs.
BENEFITS & MISSION
Why Choose BrokerUnion?
The main differences between the big banks and boutique brokerage firms like us are:
1. More Options
We’re not tied to one insurance company. We shop around to find you the best rates and options.
2. We Work For You
We always act in your best interest, and your privacy is as sacred as a lawyer’s confidentiality agreement. Unlike Insurance companies that offer only their own insurance, we are not obligated to the insurance companies.
3. Experienced Team
We have the expertise to handle any situation, all while
providing the personal touch you deserve. Professionalism and friendliness are our hallmarks.
4. Personal Relationships
We believe in sitting down and having a real conversation with you. Your situation is unique, and you deserve a tailored solution.
5. Education
We’re not just brokers; we’re educators. Our goal is to provide you with all the information you need to make informed decisions.
What Sets Us Apart
Multilingual Service
We speak 22 languages because
clear communication is key for a personalized insurance plan.
Our Own App
We’ve got our app for all your
policy documents, pink slips, and more. It’s a one-stop shop for your insurance, even if you switch carriers with us.
Dedicated Customer Service Team
No answering machines here –
our dedicated customer service team is there for you, even during off-hours.
Award-Winning
We are the 2022 IBAO Brokerage of the Year (in the under 25 brokers category) because we focus on choices, education, and service, always prioritizing our clients.
Extensive Choices
We work with a wide range of carriers to find you a customized plan that suits your specific needs.
Experienced Professionals
With a track record of helping over 5800 clients with their auto insurance in the past 3 years, you can trust our experience.
Not everyone has access to the same carriers - we have access to multiple top carriers as well as dozens of carriers that cover almost all situations
What's Critical Illness Insurance?
Imagine this: life throws you a curveball, and bam! You’re facing a critical illness. That’s where Critical Illness Insurance struts in. It’s your financial shield, providing a lump sum if you’re hit with a major health setback like cancer, heart attack, or stroke.
Why Do You Need Critical Illness Insurance?
Simple – life’s unpredictable. Critical Illness Insurance ensures you’ve got a financial cushion when the going gets tough. It steps up to cover your medical bills, mortgage, or even day-to-day expenses when you’re dealing with a serious health issue. It’s financial peace of mind in the face of adversity.
How Does the Critical Illness Insurance Work?
You chose a policy, pay your premiums (the cost of a couple of fancy coffees), and if you get diagnosed with a covered illness, you get a lump sum payout. No medical bills haunting you, no financial freefall. Just cash in hand to tackle what matters most.
Types of Critical Illness Insurance
1. Standalone Policies: Covers critical illnesses, no strings attached.
2. Rider or Add-On: Some life insurance policies will allow you to add critical illness coverage.
To Consider When Choosing Critical Illness Insurance
– Coverage Fit: Match the coverage to your needs. What illnesses does it include?
– Premiums: Keep them reasonable. It’s an investment, not a splurge.
– Waiting Period: Understand the waiting period. When does coverage kick in?
– Exclusions: Know what’s not covered.
Critical Illness Insurance is your financial superhero, ready to swoop in when life takes an unexpected turn. It’s not just about the payout; it’s about peace of mind. So, when life throws a curveball, you’re not just ready – you’re covered. Your health, your finances – secured. It’s more than insurance; it’s your financial ally.
Our Happy Customers
CLIENT'S TESTIMONIAL
What Our Critical Illness Insurance Clients Say
Had a great experience with BrokerUnion Insurance. They help us find a good coverage for our car insurance as well as make it budget friendly. Mr. Papillon was very helpful and made everything seamless for us. Specially with all the requirements and documents.
Great insurance company, I had a very complicated scenario and Susan helped me a lot, she spent a lot of time to get me the best insurance.
Very honest, and detailed explanation of different insurances.
I had a tight deadline and she helped me through the weekend to have it done, super prompt responses.
QUESTIONS & ANSWERS
Frequently Asked Questions
What is critical illness insurance, and why do I need it?
Critical illness insurance is a type of coverage that provides a lump-sum payment if you are diagnosed with a specified critical illness covered by the policy. It can help alleviate financial burdens associated with medical treatments, loss of income, or other expenses during a critical illness. Having this coverage can provide peace of mind and financial protection for you and your family.
What illnesses are typically covered by critical illness insurance?
The specific illnesses covered by critical illness insurance can vary among policies and insurance providers. However, common critical illnesses often covered include cancer, heart attack, stroke, major organ transplant, coronary artery bypass surgery, and kidney failure. It’s essential to review the policy details to understand the covered conditions.
Can I use the critical illness insurance payout for any purpose?
Yes, the lump-sum payment received from a critical illness insurance policy can be used for any purpose you choose. It can be used to cover medical expenses, pay off debts, replace lost income, cover home modifications, or fund alternative treatments or therapies.
Can I purchase critical illness insurance if I already have health insurance?
Yes, critical illness insurance is designed to complement health insurance. Health insurance typically covers medical expenses, while critical illness insurance provides a lump-sum payment that you can use at your discretion to cover other costs associated with a critical illness.
Are there any waiting periods before I can make a claim for critical illness insurance?
Critical illness insurance policies often have waiting periods before you can make a claim for certain conditions. It’s essential to review the policy’s terms to understand any waiting periods that apply.
Can I get critical illness insurance if I have pre-existing medical conditions?
The availability of critical illness insurance for individuals with pre-existing medical conditions may vary among insurance providers. Some policies may exclude coverage for specific pre-existing conditions, while others may offer coverage with certain limitations or higher premiums.
Can I purchase critical illness insurance if I already have health insurance?
Yes, critical illness insurance is designed to complement health insurance. Health insurance typically covers medical expenses, while critical illness insurance provides a lump-sum payment that you can use at your discretion to cover other costs associated with a critical illness.