Unum Critical Illness Insurance - Compare

Unum critical illness insurance is an excellent option typically offered through your employer.  Here are reasons to consider comparing the Unum offering:

  • First of all, you may save money.
  • Furthermore, you may get more benefits.
  • Some insurers allow you to buy directly.
  • Finally, you may be able to apply online for immediate coverage.

Here are some things to help you compare one policy versus another.  We hope you find the information helpful.

It's always important to compare,even AFLAC critical illness insurance

Compare Costs: The Savings Will Add Up

compare unum critical illness insuranceIn addition to Unum, roughly 60 insurance companies in the United States that sell some form of cancer-only or critical illness insurance.  There can be significant differences.  Because prices can vary, it makes sense to compare costs.  Likewise, benefits can also vary.

We say 10 minutes to compare … but it could take you just a few seconds to see.  USE THE COST CALCULATOR NOW.

Saving money is not just a one-year benefit.  Maybe you are age 45.  You probably will own this insurance for 10 years.  That’s 10 years of savings.  For that reason, comparing costs is important.

Compare Coverage: You May Want More. You May Want Less

unum-critical-illness-insurance-compareAre you looking at a comprehensive critical illness insurance policy?  Maybe you are more interested in just a cancer-only policy.  This is something to consider – if you worry more about cancer.

Many people, especially those at younger ages like 35-to-49, are often far more worried about the likelihood of cancer.  For that reason, comparing the cost of a cancer-only policy is a smart move.

A cancer-only policy should cost significantly less.  So, do you want just this option?  It’s your money and your plan so take two minutes to compare.

Or, maybe you are looking at a cancer-only option.  You have concerns about the financial consequences resulting from a heart attack or stroke.  Because each person has different needs, we advocate comparing both options.  You may want more.  It’s your money and your plan.  Therefore compare.

Compare Coverage If You Are A Non-Smoker

Some critical illness insurance companies charge the same to smokers and non-smokers.

As a result, non-smokers are subsiding some of the cost for smokers.  Smokers have a higher risk of cancer, heart attack or stroke. 

Therefore non-smokers should always see if a non-smoker rate is offered.  There could be significant savings.

Compare if Your Employer Is Offering Critical Illness Insurance

If your Employer offers critical illness insurance here are things to compare:

  • Do you have both cancer-only and comprehensive critical illness options?
  • Compare the annual rate.
  • Can you pay monthly? Is there an added charge?
  • Are there any additional fees?
  • Do non-smokers pay the same as smokers?
  • Do men and women pay the same (for the same age)?
  • Are  premiums level or will they increase as you age?
  • If you leave the company, can you continue the coverage?
  • Does the policy terminate at a certain age?
  • Can my spouse or partner be covered by the same company?

Additional Critical Illness Insurance Information is available.  Simply access the Critical Illness Insurance Association’s News Archive to read the latest information on cancer, heart attacks, strokes and critical illness insurance.
Know the latest Facts About Cancer from the American Cancer Society.
Know the latest Heart Disease Prevention Tips from the American Heart Association.

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