Cancer, Heart Attack & Stroke Insurance

Lump-Sum Cash Benefits When You Need Them Most

What Is Cancer, Heart Attack & Stroke Insurance?

This type of critical illness insurance pays you a lump-sum cash benefit upon diagnosis of a covered condition — like cancer, heart attack, or stroke. The payout goes directly to you, not a hospital or provider, so you can use it however you need during recovery.

It’s an affordable way to protect yourself from the unexpected costs that come with a serious diagnosis — especially the non-medical expenses Medicare doesn’t cover.

Why You Need It With Medicare

While Medicare Advantage and Supplement plans help with medical bills, they don’t cover the extra financial strain of a major illness:

Lost income from time off work or caregiving
Travel and lodging near treatment centers
Home care or help with daily activities
Nutritional supplements and wellness support
Household bills during recovery

A critical illness plan helps protect your savings by paying a cash benefit to use however you choose.

What Does It Cover?

Most plans pay a lump-sum cash amount (typically $5,000–$75,000) upon diagnosis of:

Cancer (invasive or in situ)
Heart attack (myocardial infarction)
Stroke (neurological damage)
Some plans also cover:

Organ transplant
Kidney failure
Coronary artery bypass
Aneurysm or angioplasty

Optional riders may include recurrence benefits, hospitalization coverage, or additional family members.

Who Should Consider It?

This coverage is ideal for:

Medicare Advantage members with limited savings
Individuals with a family history of cancer or heart disease
Self-employed or retired individuals without income protection
Anyone wanting financial flexibility during a health crisis
Caregivers looking to reduce future financial strain

Benefits at a Glance

✔️ Tax-free lump sum paid directly to you

✔️ Use funds for medical or non-medical expenses

✔️ Affordable monthly premiums

✔️ No network restrictions or claims delays

✔️ Pairs well with Medicare or indemnity plans

Get Protected Today

A serious illness can be emotionally and financially overwhelming. At Cole Insure, we help you stay prepared with flexible, affordable coverage for cancer, heart attack, and stroke — from trusted carriers and built around your needs.