Tips to find the best critical illness insurance plans

From the American Association for Critical Illness Insurance

(AACII) The American Association for Critical Illness Insurance is the national organization.  The organization advocates for the importance of critical illness insurance and supports insurance agents who market these products.

Do you use tobacco products?

According to AACII, insurance companies can change smokers and non-smokers the exact same amount.

Or, they can charge smokers more than non-smokers. 

When smokers and non-smokers pay the same rates, non-smokers are basically subsidizing smokers.

The Association offers an exclusive product via their website.  The policy is prices so that non-smokers pay less for equal coverage.

To learn more about getting the best critical illness insurance costs visit the website. 


Men and women should pay different amounts

It’s true. 

Men pay more for life insurance because they tend to die at younger ages. 

When it comes to critical illness insurance, a good policy should be priced based on your real risk at a specific age.

The exclusive product offered via the AACII website   charges different rates for men and women.  At some ages men will pay less.  At other ages women will pay less.

If you want to see real critical illness insurance costs visit the Association's website today.

Compare employer critical illness insurance

People wrongly assume that when an employer offers critical illness insurance it must be the best buy.
That is not always true.  It pays to compare.  It also pays to learn more about group critical illness insurance.

Here are some reasons to compare:

  • Do you have both cancer-only and comprehensive critical illness options?
  • Compare the annual rate.
  • Can you pay monthly? Is there an added charge?
  • Are there any additional fees?
  • Do non-smokers pay the same as smokers?
  • Do men and women pay the same (for the same age)?