Cancer/Critical Illness Insurance

Do you know someone who has suffered from a Critical Illness?

Critical illness insurance is medical insurance that pays a lump-sum benefit upon diagnosis of a critical illness or condition. A critical illness insurance payout helps you avoid the financial strain a major illness can create so you can focus on your recovery. It helps give you the freedom to:


  • Get the treatment you want
  • Spend time with family and friends
  • Keep your home and other assets

1 in 2 Men, and 1 in 3 Women Will Suffer Cancer

Chances are, you personally know someone who has suffered from a Critical Illness. Whether it is a heart attack, cancer, stroke, end stage kidney dialysis, or a myriad of other critical illnesses, these are life changing events that can strike at the drop of a hat. And no one is immune to these possibilities.


Many times continuing your daily work schedule isn't possible and your monthly income is lost. Sometimes, a spouse may lose time at work as well, thereby suffering loss of wages. Or, maybe you find that you must travel out of state to see a specialist.


Many times, there are medical costs that aren't covered by your health insurance.

Determine Your Need

Although medical insurance and other insurance coverages you may have are essential, they won't cover everything. Medical treatment has never been better, but it's also expensive. People today can experience financial hardship because of the expenses their insurance does not cover. Critical illness insurance could be a strong supplement to other health insurance.


Plan Details

BecauseCritical Illness insurance pays you a cash benefit upon diagnosis of a covered critical illness or condition, you choose how to spend it:

  • Make payments on your mortgage
  • Pay medical bills
  • Hire help for around the house
  • Pay for in-home healthcare

Spirit Financial Concepts

Client Testimonials

Marius Barnard - Cardiac Surgeon

Inventor of Critical Illness Insurance

Critical Illness Insurance was created by a South African cardiac surgeon by the name of Marius Barnard. He was motivated by the financial hardship he saw his patients suffer after he had treated their critical illnesses. Barnard has been quoted as saying, that, "As a medical doctor, I can repair a man physically, but only insurers can repair a patient's finances". On the 6th of October, 1983, the first critical illness insurance policy was launched.

We also consult on the following types of coverage:


  • Final Expense Insurance - Final Expense plans should never be tied to any single funeral home, or cemetary plot. Needs & living locations can change based on the final days of a loved one's life. Keep your options open with a cash benefit.
  • Disability Income - What would happen if, overnight, you were to lose your greatest asset. Your ability to earn an income.
  • Medicare Suplement Coverage - Did you know that even though you have Medicare Part A and Part B, you are still responsible for annual deductibles and 20% co-insurance on most of your medical treatment? This is where a Medicare Supplement comes in.
  • Health Insurance - Whether you're an individual, or a business owner, we offer coverage to meet every need. Whether you have an existing group or individual health plan in place, or looking to implement new coverage, our team of experts are here to help!
  • Dental Plans - No networks. No waiting periods. Starting at $15.50 per month.

Spirit Financial Concepts

Client Reviews

Spirit Financial Concepts is a member of the

National Association of Health Underwriters.



Client Services

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Spirit Financial Concepts is here to serve you in all your insurance needs!

(918) 236-4470

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