A cash benefit for the costs your health insurance doesn’t cover.
Even with good health insurance, a serious diagnosis or accident often comes with costs that fall outside what a medical plan pays: travel, deductibles, lost income, or just keeping the lights on.
Get a QuoteHow critical illness and accident coverage works.
Critical illness insurance pays a lump-sum cash benefit upon diagnosis of a covered condition, like cancer, heart attack, or stroke, that you can use however you need.
Accident insurance works similarly, paying a benefit for covered injuries from an accident, helping offset costs like emergency room copays, deductibles, or time away from work.
- Pays a lump-sum cash benefit upon a covered diagnosis or injury
- Funds can be used for any purpose, medical or otherwise
- Complements existing health insurance rather than replacing it
- Affordable premiums for meaningful supplemental protection
Commonly Covered Events
- • Cancer diagnosis
- • Heart attack or stroke
- • Broken bones
- • Emergency room visits
Core elements of critical illness & accident coverage
Critical Illness Benefit
A lump-sum payment upon diagnosis of a covered serious illness.
Accident Benefit
A cash payment for covered injuries resulting from an accident.
Recurrence Benefit
Some policies pay an additional benefit if a covered condition recurs.
No Restrictions on Use
Funds can go toward medical bills, travel, or everyday expenses.
Guaranteed Issue Options
Some coverage available without extensive medical underwriting.
Complementary Coverage
Designed to work alongside, not replace, your primary health insurance.
Critical Illness & Accident FAQs
Isn’t this the same as health insurance?
Can I use the benefit for anything?
What illnesses are typically covered?
Let’s talk about your critical illness & accident coverage.
Belgrade-based advisors who know Montana risk, ready to help.
Get a Quote