Is Critical Illness Insurance Worth Having? 
A critical illness policy pays a lump sum , anywhere from $ 4,000.00 to $ 500,000.00 , in the event you were to have a critical illness . Examples , heart attack , stroke , cancer , major organ failure , loss of sight , hearing or speech , loss of 2 ADL 's . `` Activities of Daily Living '' , such as bathing , eating , transferring , dressing , toileting , & continence . Some policies also include coronary artery by pass , usually at a reduced benefit level.In the event you were to fall victim to one of these maladies , the bills do not stop because you can not work . The likelihood is that you would survive . I know of other policies , that offer a `` ROP '' or Return of Premium . In the event you never get to use the insurance , all premiums are paid to the estate . So really there is no risk for the client . 