KBA Critical Illness and Injury Protection

An excellent supplment to disability insurance that may be at maximum issue and participation limits, or may have long waiting periods.
Unlike disability coverage, Critical Illness Coverage can protect spouses who do not work outside the home.
Lump sum payment upon diagnosis whether you are working or not.
The indirect costs of treatment of a Critical Illness (travel, lodging, child care, lost income) can exceed the medical costs of treatment.

Covered condidtions include:
- Invasive Cancer - 100% benefit
- In-Situ Cancer - 25% benefit
- Heart Attack - 100% benefit
- Coronary Artery By-Pass Surgery - 100% benefit
- Stroke - 100% benefit
- Kidney Failure
- Major Organ Transplant - 100% benefit
- Loss of sight, speech, hearing or limb - 25% benefit
- Paralysis
  Quadriplegia - 100% benefit
  Paraplegia - 75% benefit
  Hemiplegia - 50% benefit
Three plans available to choose from
$25,000
$50,000
$100,000
Lump sum first occurance benefit:
Benefits are payable to covered individuals upon positive diagnosis of a Critical Illness, regardless of treatment, actual expenses or other coverage. The insured must survive for 30 days after the date of the Critical Illness diagnosis to be eligible for payment.
Short form application process
Group rate
Family coverage is available
Underwritten by AIG American General
Contact us with any questions at 1-800-928-6421 or (502) 425-3232