Critical Illness Insurance

criticalillnessbox2 Why do you need Critical Illness insurance? Take a moment to think about life as you know it. Then ask yourself this:

If you were diagnosed with a critical illness, how would you manage life during your recovery?

Who will care for your children? And your home?

What are your treatment options? Are there other doctors, specialists or hospitals outside your neighborhood available to you?

If you were unable to work during your recovery, would you need additional funds?

News of a critical illness can be quite a shock – and sadly, many do not have the financial resources to cover the treatment costs. That is where Critical Illness insurance comes in. It provides immediate financial relief from the overwhelming expenses of illnesses such as a heart attack, stroke or cancer. It eases the risk of financial uncertainty so the sick person can focus on getting better.

Trustmark offers two insurance products: Critical Illness and the new Critical LifeEventsSM.

Critical Illness Insurance

Trustmark’s voluntary Critical Illness insurance helps provide immediate financial relief from the overwhelming expenses of a serious illness, such as a heart attack, stroke or cancer.1 It pays a lump-sum cash benefit when you are diagnosed2 with a covered illness to help ease your financial worries.

In short, Trustmark Critical Illness insurance helps provide a financial cushion to help you manage your illness, your way. It’s that simple.

What’s Covered?

  • Heart attack
  • Stroke
  • Invasive cancer (excludes most skin cancer)
  • Renal (kidney) failure
  • Occupational HIV
  • Blindness
  • ALS (Lou Gehrig’s disease)
  • Transplant of a major organ
  • Paralysis of at least two limbs
  • Carcinoma in situ (25% benefit)3
  • Coronary artery by-pass surgery (25% benefit)3

1Please consult your policy/group certificate for specific covered conditions. 2As defined by policy/group certificate. Most states define eligibility as first diagnosis. First diagnosis means the first time a physician identifies a covered condition from its signs or symptoms. If you’ve been diagnosed with a covered condition prior to having coverage, you may not be eligible for a benefit. 3If the insured receives the benefit for coronary artery bypass surgery or benefit for coronary artery bypass surgery or carcinoma In situ, the remaining benefit will be available for another covered condition, or double benefit if included. Most skin cancer is excluded.

Critical LifeEvents InsuranceSM

Brokers and Employers: please visit our microsite for information on our Critical LifeEvents insurance.

Trustmark has taken a fresh approach to Critical Illness insurance with Critical LifeEvents℠. Designed after years of consumer research, Trustmark Critical LifeEvents℠ is easy to understand and offers protection where customers say they need it most – for a lifetime of benefits.

This product is designed to help the healthy stay healthy, and provide supplemental coverage for the full scope of a serious illness. Named one of the most innovative products of 2015, Critical LifeEvents offers features not commonly found in any other product on the market today:

  • Coverage for the full scope of an illness, from early identification, to early-stage diagnosis, to further benefits if the illness progresses
  • A caregiver benefit when a policyholder is caring for an eligible family member including access to medical experts for a second opinion or review of treatment options
  • A replenishing annual benefit (no more separation periods or reoccurrence limitations)
  • A benefit for less common conditions such as complications from diabetes and central nervous infections
  • Guaranteed renewable coverage
  • Coverage that employees can keep if they change employers

Critical LifeEvents℠ was designed to offer clear descriptions and definitions that help policyholders feel confident in their insurance protection. Life can be uncertain, but with the right protection, customers can face the future with peace of mind.

Benefits may vary by state, may not be available, or may be named differently. Please refer to the policy/certificate for exact terms, conditions, exclusions, limitations and reductions.     P485-1730