If you suffered a critical illness tomorrow, what would worry you?

A critical illness can change your life in an instant. Being diagnosed with an illness like a heart attack, cancer or a stroke can be overwhelming. The last thing you want to worry about is money. The Family Security Plan® Critical Illness Insurance can help protect you from financial hardship while you or a loved one recovers. It provides tomorrow's protection today.

How does Critical Illness Insurance work?

Critical Illness Insurance pays a lump sum cash benefit as soon as you are diagnosed with any of the specific, illnesses covered and your claim is approved. You can use this money to pay out-of-pocket medical costs and non-medical costs associated with your treatment, such as childcare or transportation.

Are your savings enough to pay your bills if you got critically ill?

While you’re being treated for and recovering from a critical illness, your income may be affected. Even with medical insurance, out-of-pocket expenses can add up quickly, including:

  • Medical Deductibles & Co-Pays

  • Out-of-Network Specialists

  • Prescriptions

  • Rehabilitation

  • Nursing Care

  • Medical Travel

  • Rent or Mortgage Payments

  • Car Payments

  • Credit Card Debt

  • Childcare

  • Savings for College & Retirement

  • Household Expenses

The Family Security Plan® Critical Illness Insurance features:

  • Affordable Extensive Coverage

    Critical Illness Insurance offers powerful protection at an affordable price.

  • Family Coverage

    You can insure yourself, your spouse, your children, and dependent grandchildren.

  • Covered Amounts*

    You can choose a Face Amount of the benefit, between $10,000 and $100,000.

  • Full Portability

    You can keep your coverage if you change jobs or retire.

  • Guaranteed Renewable

    Your coverage cannot be canceled as long as your premiums are paid as due.

  • No Benefit Reduction

    Benefits never decrease due to age.

  • Convenient Premium Payment

    There are no bills to watch for or checks to mail. Premiums are conveniently paid automatically from the financial institution of your choice.

  • HSA Compatible

    You can have this coverage even if you have a Health Savings Account.

  • No Coordination of Benefits

    Benefit payments are made in addition to any other insurance you may have.

*Face Amounts are from $25,000 to $100,000 in Washington.

Plan Today for Tomorrow with these Critical Illness Insurance Benefits:

Affordable Coverage*

You can choose a Face Amount from $10,000 to $100,000.

Cash Benefit

Upon diagnosis of a covered condition, you get a substantial lump sum cash benefit.

Advocacy Benefits*****

You also get the benefit of personal and confidential assistance from professionals at Best Doctors®

  • ”Find Best Docs” Physician Referrals

  • “Ask the Expert” Hotline

  • Diagnosis & Treatment Advice

Covered Conditions Include:

  • Cancer

  • Heart Attack

  • Stroke

  • Benign Brain Tumor

  • Multiple Sclerosis

  • Carcinoma In Situ¹

  • Coronary Artery Obstruction¹

  • Coma²

  • Skin Cancer³

  • Major Organ Failure

  • ALS (Lou Gehrig's Disease)

  • Kidney Failure

Critical Illness Eligibility, Exclusions and Limitations


  • Members age 18 through 65*

  • Spouses age 18 through 65*, including domestic and civil union partners

  • Children ages 0 through 26**

  • Simplified application process


  • No benefits will be paid for losses resulting from any intentionally self-inflicted injury

  • A pre-existing condition is not covered unless the date of diagnosis for such condition or loss is at least 12 months after the policy issue date.***

  • There is a 30 day Waiting Period following the date of application during which no benefits are available in most states.****

Pre-Existing Conditions

A pre-existing condition is a condition for which a covered person received medical advice or treatment within 12 months immediately prior to the Policy Effective Date.***

* In South Carolina ages 18 through 64
** In Arizona coverage for children is not available at this time.
*** In New Jersey, a pre-existing condition is not covered unless the date of diagnosis is at least 6 months after the policy issue date. A pre-existing condition is a condition in which a covered person received medical advice or treatment within the 6 months prior to the Policy Effective Date.
**** There is no waiting period in Arizona, Connecticut, Maryland, Missouri, New Jersey, South Carolina, Texas, or Washington.
***** Advocacy Benefits are not available in Connecticut, Missouri, Ohio or Washington.

Critical Illness Insurance provides a way to help protect you and your family should you develop a critical illness.

¹ Benefit payment is 25% of Face Amount
² Coma not available in NJ
³ Skin cancer pays $250
⁴ Must be on UNOS Donor List to qualify

Insurance product not available in all states. This is a supplement to health insurance and is not a substitute for basic hospital, basic medical or major medical insurance. Schmitt-Sussman Enterprises, Inc. dba PFP, NPN #953614