Why Get Critical Illness Insurance? 
A Critical care policy pays you not the Doctor or Hospital , in the event of an critical illness , such as a heart attack , stroke , major organ failure , Cancer , loss of the inability to perform 2 Activities of Daily Living . The likely hood if you were to suffer a heart attack , stroke , cancer or the like is that you will likely survive . The bills , mortgage , utilities , & such do not stop because you are ill . The money can also be used to offset health insurance copay 's , time off work , second opinion , or anything else . Face amounts usually run any where from $ 4,000.00 to $ 500,000.00 lump sum . Some policies offer a Return of Premium , meaning if you never use the insurance , your estate will receive 100 % of the premium back . HBWavp@gmail.com 