Critical Illness

What is universal life insurance?

Critical Illness coverage helps provide financial support if you are diagnosed with a covered critical illness. With the expense of treatment often high, seeking the treatment you need could seem like a burden. When a diagnosis occurs, you need to be focused on getting better and taking control of your health, not stressing over financial worries.

How does it work?

You choose benefits to protect yourself and any family members if diagnosed with a critical illness. Then, if diagnosed with a covered critical illness, you will receive a cash benefit based on the percentage payable for the condition.


What Company Insures the Plan?

American Heritage Life Insurance Company is a wholly-owned subsidiary of The Allstate Corporation, one of the largest insurance companies in the nation. American Heritage Life Insurance Company is rated “A+” (Superior), by A.M. Best (2005), an independent rating service that reviews the financial status of thousands of insurers. Ratings reflect Best’s opinion of the relative financial strengths and operating performance of an insurance company in comparison to the norms of the life/health insurance industry.



Who is eligible to apply for Universal Insures the Plan?

As long as you are a full-time and active employee during the time of enrollment, you are eligible to apply for coverage.

Is my family eligible for coverage?

Yes. You can apply for coverage for your eligible dependents.

Is a physical exam required? (Both Plans)

Physical exams are not required for yourself or any family members under the normal underwriting guidelines.