PREMIERReview your applicable group plan
Critical illness
Your coverage conversation checklist
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Limited-benefit supplemental critical illness insurance, not major medical insurance or a Medicare supplement. Available benefits depend on the group plan. Issue-age bands and coverage tiers affect the biweekly premiums.
Confirm the group plan available to you
Ask which employee basic-benefit amounts your group offers before comparing premiums.
Choose the right coverage tier
Review employee/children and spouse/family options as applicable. Confirm who can be included and the relevant benefit amounts.
Use the correct issue-age band
Match the listed rate sheet to the applicable age band and coverage tier. Ask how the policy defines issue age.
Read the covered-event definitions
Ask which diagnoses or events qualify and what conditions must be met for payment.
Review exclusions and benefit limits
Discuss waiting periods, pre-existing conditions, recurrence and any benefit limits described in the policy.
Understand enrollment and claims
Ask which information and documents are required and how to reach the insurance company's claims department.
Insurance company: American Heritage Life Insurance Company