Term Life
Affordable coverage for set years
Critical Illness Insurance: Cash When You Need It Most
Get a tax-free lump-sum payout if you’re diagnosed with a serious illness, so you can focus on recovery, not bills.
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Types of Life Insurance
What is Critical Illness Insurance
Critical Illness Insurance is a type of supplemental coverage designed to provide financial protection when life takes an unexpected turn. If you’re diagnosed with a covered serious condition, such as cancer, heart attack, or stroke, you receive a tax-free, lump-sum cash benefit.
Why You Should Consider Critical Illness Insurance?
Covers major conditions like cancer, stroke, heart attack.
Cash benefit paid directly to you, not doctors.
Helps with medical bills, lost income, travel, or household expenses.
Complements your health insurance plan.
Critical Illness Benefits
Lump‑Sum Cash Payout
Get a one‑time cash benefit after a covered diagnosis—paid directly to you so you can focus on recovery.
Use It Your Way
Pay for treatment, travel, childcare, or the mortgage. No networks. No deductibles. Your money, your call.
Covers Major Conditions
Benefits for many serious illnesses—often including cancer, heart attack, and stroke. Specifics vary by policy.
Simple Application & Fast Claims
Quote, apply, and e‑sign in minutes. Streamlined claims help get cash in hand quickly when it matters.
Critical Illness Coverage Options
Cancer-Only
Highest value if cancer risk is your main concern.
Heart & Stroke
Built for the big three: heart attack, stroke, and related procedures.
Comprehensive (Multi-Condition)
Broadest list of covered conditions and partial payouts.
Who Benefits from Critical Illness Insurance?
One-Income & Young Families
Keeps the bills paid if treatment sidelines the earner.
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- Choose a benefit sized for 6–12 months of expenses plus your health plan’s deductible and out-of-pocket max.
- Use the lump sum for mortgage, childcare, groceries, travel to specialists, and household help—no receipts required.
Self-Employed & Commission Earners
No PTO? This buys time off to recover without wrecking cash flow.
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- Fund downtime, keep estimates/projects alive, and cover premiums if you can’t produce for a few months.
- Pair with disability income insurance for paycheck protection during longer recoveries.
High-Deductible Plan Members
Bridges deductibles, coinsurance, and out-of-network surprises.
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- Set benefit to at least your family OOP max + travel/lodging for specialty care.
- Use funds for non-medical costs: lost wages, childcare, meal delivery, home modifications.
Business Owners & Key People
Covers payroll and overhead if you or a key employee gets sick.
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- Use proceeds to keep vendors paid and operations stable during treatment/recovery.
- Consider key-person or buy-sell planning if multiple owners rely on each other’s health.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years).
Affordable premiums
Option to convert to permanent
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
Not Sure What You Need?
Answer 6 questions and we’ll recommend your best-fit plan.
Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years). Affordable premiums.
Option to convert to permanent insurance
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
How It Works
-
Diagnosis
You’re diagnosed with a covered illness.
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Claim
File your claim with documentation. We’ll help you submit it right the first time.
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Cash Benefit
Receive a lump‑sum, tax‑free cash payment — use it however you want.
Pays a one‑time, tax‑free cash benefit upon first diagnosis of a covered illness. Not major medical. Terms and availability vary by insurer.
Get the Coverage You Deserve
Why Choose OnePoint
Personalized Protection – We take the time to understand your family’s needs and match you with the right coverage.
Independent & Unbiased – We shop multiple top-rated carriers so you get the best value, not a one-size-fits-all plan.
Guidance You Can Trust – Our agents explain your options in plain language and are here for you every step of the way.
Affordable Solutions – Flexible policies designed to protect your loved ones without straining your budget.
Local & Community-Focused – We’re part of the same neighborhoods we serve, so you’re treated like a neighbor, not a number.
Learn with OnePoint
Real answers. Straight talk. Insurance made simple.
OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Frequently Asked Questions
Do I need Critical Illness Insurance if I already have health insurance?
Yes, because health insurance only pays medical providers for covered treatments. Critical Illness Insurance gives you a cash payout you can use however you want—like paying your mortgage, childcare, or travel expenses while you recover.
What illnesses are covered?
Most policies cover major conditions such as cancer, heart attack, and stroke. Depending on the plan, coverage may also extend to kidney failure, organ transplants, paralysis, or advanced Alzheimer’s disease. Always check your policy details for the full list.
How much will I get paid if I’m diagnosed?
The payout depends on the coverage amount you select. Once your claim is approved, you’ll receive a lump-sum cash benefit, typically ranging from $10,000 to $100,000 or more, sent directly to you
How quickly will I receive the benefit?
In most cases, once your claim is processed and approved, payments are made within a few weeks. Some insurers offer even faster processing for urgent cases.
Is the payout taxable?
Generally, no Critical Illness Insurance benefits are typically paid out tax-free. However, tax rules can vary, so it’s smart to confirm with a licensed tax advisor.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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