Health & Living Coverage Portfolio
Critical Illness Shield
Receive a tax-free lump-sum cash payment of $25,000 to $100,000+ upon diagnosis of covered heart attack, stroke, cancer, or major organ failure.
Regulated Rates from $28/mo
Licensed Counselor Included
Zero Brokerage Markups
Guaranteed Rate Lock
Starting at $28/mo
Or call toll-free: 1-800-555-OPTAVISE
Core Coverage Benefits & Protections
Cash paid directly to you, not doctors or hospitals — spend on whatever you need
Use funds for experimental treatments, mortgage, travel, or replacement income
Guaranteed renewable coverage with no reduction in benefit as you age
Covers heart attack, stroke, major organ transplant, paralysis, and kidney failure
Simple claims process with expedited payment direct to your bank account
Structured Plan Comparison Options
| Plan Level | Coverage Target | Living Benefits | Underwriting | Action |
|---|---|---|---|---|
| Standard SelectPure Protection | $100,000 – $250,000 | Terminal Illness | 24–48 Hr Simplified | |
| Preferred PlusMost Popular | $250,000 – $750,000 | Chronic & Disability Waiver | Instant Accelerated E-Sign | |
| Premier LifetimeMaximum Wealth Defense | $750,000 – $2,000,000+ | All Living Benefits + AD&D | Counselor Guided |
Available Policy Riders & Living Add-Ons
Recurrence Benefit (Pays multiple times for separate diagnoses)
Child Critical Illness Add-on
Instant Critical Illness Shield Rate Check
Calculate regulated benchmark rates for your age.
Assigned Specialist
Sarah Jenkins
Senior Benefits Counselor
“Have questions on medical underwriting, pre-existing conditions, or state rate locks? I'm available for a free consultation.”