Financial protection when you need it most. Get a lump sum payment if you're diagnosed with a covered critical illness and preview combined coverage in our Mortgage Protection Calculator.
Critical illness insurance provides a lump sum payment if you're diagnosed with a covered serious illness. This money can help cover medical expenses, lost income, and other financial obligations during your recovery.
Receive a tax-free lump sum payment upon diagnosis of a covered condition.
Use the money however you need - medical bills, living expenses, or anything else.
Focus on recovery without worrying about financial stress.
Plan funding for treatment and mortgage obligations with these curated resources.
Coverage for heart attacks and related cardiac conditions
Protection against stroke and neurological conditions
Comprehensive coverage for various types of cancer
Coverage for end-stage renal disease and dialysis
Protection for heart, lung, liver, and other organ transplants
Coverage for MS and other neurological conditions
Every Family First Benefits proposal is reviewed by a licensed agent who understands carrier underwriting niches, elimination periods, and benefit triggers. We map the benefit amount to your mortgage balance so the lump sum can extinguish the debt or cover extended treatment while you recover.
We keep current on replacement rules and accelerated benefit regulations from the NAIC and each state DOI so your policy issues without delays.
Our team compares financial ratings, waiting periods, and partial payout definitions from A-rated carriers to recommend the right fit for your health profile.
Schedule a yearly check-in to adjust your coverage, add riders, or coordinate benefits with any new mortgage refinancing.