Critical illness insurance provides a lump sum benefit if you're diagnosed with a serious disease. Peace of mind for your health future.
โ Lump sum benefit
โ Tax-free payout
โ Living benefit
โ Quick approval
Quick Quote
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All Critical Illness Providers (5)
โ State Farm
โ 4.7/5.0
$70 - $330
Coverage Types:
Deductible: Lump sum
Key Features:
- โ Lump sum
- โ Living benefit
- โ Return of premium
PROS
- โข Tax-free benefit
- โข Quick payment
CONS
- โข Medical exam
- โข Limited coverage
โ Allstate
โ 4.6/5.0
$65 - $310
Coverage Types:
Deductible: Lump sum
Key Features:
- โ Lump sum
- โ Living benefit
- โ Return of premium
PROS
- โข Critical illness coverage is delivered through Allstate Benefits (American Heritage Life), which has specialized in worksite voluntary benefits since 1956 and is a recognized top-tier writer in the group voluntary CI market
- โข Group CI plans typically include guaranteed-issue enrollment with no medical underwriting up to specified face amounts, making coverage accessible to employees who might be declined for individual policies
CONS
- โข Critical illness insurance is generally not sold direct-to-consumer through Allstate's agent network โ coverage is primarily available only via employer-sponsored voluntary benefit enrollment, limiting access for self-employed and retired consumers
- โข Because policies are group/worksite products, coverage is typically not portable in the same way individual policies are; some plans allow continuation after employment ends but at potentially higher self-pay rates
โ Travelers
โ 4.5/5.0
$60 - $290
Coverage Types:
Deductible: Lump sum
Key Features:
- โ Lump sum
- โ Living benefit
- โ Return of premium
PROS
- โข AM Best 'A++' (Superior) Financial Strength Rating, reflecting top-tier balance sheet strength for paying long-tail claims
- โข Long operating history dating to 1864 and Fortune 100 scale, with diversified P&C and specialty lines providing stability
CONS
- โข Travelers is primarily a property & casualty insurer; standalone critical illness insurance is not a flagship U.S. consumer product, so coverage availability and plan design may be limited compared to dedicated CI carriers like Aflac, Colonial Life, or Mutual of Omaha
- โข CI coverage from Travelers, where offered, is typically distributed through employer/voluntary benefits channels rather than direct-to-consumer, making individual purchase harder
โ Chubb
โ 4.3999999999999995/5.0
$55 - $270
Coverage Types:
Deductible: Lump sum
Key Features:
- โ Lump sum
- โ Living benefit
- โ Return of premium
PROS
- โข AM Best A++ (Superior) financial strength rating on core Chubb insurance subsidiaries - one of the highest in the industry
- โข Strong accident & health / supplemental health division with global reach across 54+ countries, useful for expatriates and multinational employer plans
CONS
- โข CI insurance is generally not sold direct-to-consumer through chubb.com - most policies require an employer group, broker, or affiliated workplace benefits channel
- โข Limited public-facing rate transparency and online quoting compared to dedicated CI players like Aflac or Colonial Penn - typically requires broker contact
โ AIG
โ 4.3/5.0
$50 - $250
Coverage Types:
Deductible: Lump sum
Key Features:
- โ Lump sum
- โ Living benefit
- โ Return of premium
PROS
- โข Tax-free benefit
- โข Quick payment
CONS
- โข Medical exam
- โข Limited coverage
How to Choose
- โข Compare quotes from multiple providers
- โข Review coverage types and deductibles
- โข Check customer ratings and reviews
- โข Look for available discounts
- โข Verify policy terms and conditions
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