Financial Protection with Critical Illness Insurance

Lump-sum benefits for cancer, heart attack, stroke, and other serious diagnoses

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Critical Illness Coverage for Peace of Mind

A critical illness diagnosis can bring unexpected medical bills and lost income. Peterman Insurance Services offers Critical Illness Insurance options that pay a lump-sum benefit upon diagnosis—letting you focus on recovery, not finances. Our nurse-led guidance ensures you select the right benefit amount and riders for your needs.

Cancer Insurance

Receive a lump-sum upon a cancer diagnosis to cover treatments, travel, or living expenses. Learn more on our Cancer Insurance page.

Broad Critical Illness Plans
Coverage for a range of conditions—from organ transplants to kidney failure—with customizable benefit levels and return-of-premium options.

Heart Attack and Stroke Insurance

Get a cash benefit after a heart attack or major stroke—helping you manage rehabilitation costs and household bills. Explore details on our Heart Attack and Stroke Insurance page.

Your critical illness insurance Questions, Answered

Find clear answers to common Critical Illness Insurance questions—so you understand how benefits work and how to choose the right plan.

Policies pay a lump-sum benefit upon diagnosis of covered conditions—commonly including cancer, heart attack, stroke, major organ transplant, kidney failure, and more as defined in your contract.

You select the face amount (e.g., $10,000–$100,000) at purchase. Premiums are based on age, health status, benefit level, and optional riders like return of premium.

After a covered diagnosis is confirmed by a licensed physician and any required waiting period (often 30 days) has been satisfied, the insurer issues the benefit directly to you.

Yes—the lump-sum is disbursed tax-free and can fund treatment costs, mortgage or rent, childcare, travel for specialized care, or everyday bills.

This optional rider refunds a portion or all of your paid premiums if you remain claim-free at policy maturity—offering a savings component to your coverage.

Coverage for pre-existing conditions varies by insurer and state regulations. We’ll review carrier definitions and waiting periods to help you understand any limitations.