Life Insurance with Chronic & Critical Illness Benefits
Coverage that supports you through life’s toughest health challenges.
Chronic and critical illness insurance riders offer early access to your life insurance benefit if you’re diagnosed with a serious condition. At Lorraine Smith Insurance, we help you prepare for the unexpected—so you can focus on healing, not finances.
What Is Chronic & Critical Illness Insurance?
These riders, often included as part of a living benefits package, allow you to receive a portion of your death benefit while you’re still alive if you’re diagnosed with a qualifying illness. That includes serious conditions like cancer, heart attack, stroke, ALS, or long-term chronic care needs.
Benefits of Chronic & Critical Illness Riders
Early Access to Funds
Get a portion of your benefit while still living
Flexible Use
Spend the funds however you need
Financial Relief
Cover medical bills, caregiving, home adjustments, or lost income
Available with Many Policies
Often included with term or permanent life insurance
Broad Coverage
Applies to a wide range of major illnesses
Is Chronic & Critical Illness Coverage Right for You?
You might benefit from this protection if you:
01
Want financial support if diagnosed with a serious illness
03
Prefer to maintain independence and control during health challenges
02
Are concerned about long-term care or costly treatments
04
Want a safety net to protect your family from financial strain
Why Choose Lorraine Smith Insurance?
At Lorraine Smith Insurance, we believe life insurance should support you while you’re living—not just when you’re gone. That’s why we offer:
-
Compassionate guidance through complex health-related riders
-
Custom policy options tailored to your needs and conditions
-
Expert help understanding what’s covered and how benefits work
We’re here to make sure you have the financial freedom to focus on what matters most—your recovery.
