Critical illness insurance gives you an opportunity to provide for your future and that of your family by protecting you against potentially devastating financial hardship. A smart investment, critical illness provides coverage for everyday living expenses and gives you control to make meaningful decisions about your recovery. The payment is provided in a lump sum amount, allowing you the flexibility to allocate the benefit payment so you can focus on recovery rather than finances during a challenging time. Critical illness insurance is paid independently of any other benefits or your ability to work. This coverage complements long term disability and life insurance by providing a financial safety net used to offset the added expenses of a serious medical condition.