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Critical Illness insurance


Critical Illness (CI) insurance covers the financial burden associated with catastrophic illnesses when first diagnosed with a covered illness such as cancer, heart attack, stroke, or other covered ailments that can result in lost income or costs beyond the coverage of your health insurance.

As people live longer and medicine continues to improve, surviving a heart attack, stroke, or cancer can mean bills that pile up beyond what you can afford.  Fortunately, there is an affordable insurance policy that you purchase or add to your current life insurance to help pick up the pieces after suffering a catastrophic illness.  

How it works

Critical Illness (CI) insurance will pay you a lump sum of money upon diagnosis of a covered condition. The money is yours to use for any purpose with no restrictions and helps you survive financially while physically recovering. The amount of coverage can range from a few thousand dollars to several hundred thousand dollars in financial relief.

2 out of 3 personal bankruptcies are due in part to medical bills.
2 out of 3 personal bankruptcies are due in part to medical bills.
Benefits of CI Insurance

Critical illness insurance policies can help stave off bankruptcy associated with the high cost of medical bills and other expenses brought on by:

  • Stroke
  • Cancer 
  • Heart attack
  • Organ transplants

Steps to critical illness insurance


Determine How Much Coverage You Need

Use this calculator to determine how much critical illness insurance coverage you need.  By considering the possible expenses of medical equipment, alterations to your home, lost income, and other out-of-pocket costs, you will have a reasonable estimate of your coverage needs.


Determine the Type of Coverage You Want

Critical illness policies vary in which illnesses they cover.  While these policies are generally low-cost, the monthly premium is affected by how many illnesses are covered under the policy.


Compare and Apply

We’ll discuss which illnesses you want coverage for and help you find the most effective policy for your needs.
We have been proudly serving the families of Hawaii for nearly 90 years.  We look forward to helping you find the perfect policy and peace of mind.


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