Critical Illness with Term Life - Allstate

Critical Illness with Term Life - Allstate


What It Does
Combines term life insurance with a critical illness lump-sum benefit in either the death of the insured or the diagnosis of a covered illness.

Plan Levels
  1. Term life benefits levels: $25,000, $30,000, $50,000, $75,000, $100,000, $125,000, $150,000
  2. Critical illness benefit levels: same amount as term and payable until age 85
Eligibility and Renewability
  1. Ages 18- 60
  2. Renewable until first renewal after age 85
Critical Illness Covered (Full Benefit)
  1. Invasive cancer
  2. Heart attack (NSTEMI excluded)
  3. Stroke
  4. Kidney failure
  5. Coma
  6. Blindness
  7. Deafness
  8. Major organ transplant
  9. Paralysis
  10. Loss of limb
  11. Major burns
Critical Illness Covered (Partial Benefit - 25%)
  1. Noninvasive cancer
  2. Coronary artery bypass graft
  3. Advanced Alzheimer’s disease
  4. Heart valve surgery
Waiting Periods
  1. Cancer Type A/B: 90-day waiting period
  2. Other critical illnesses: 30-day waiting period

Partial Benefit Payout
If a partial benefit is paid, the remaining percentage up to 100% stays available for future critical illnesses.

Pre-Existing Condition Limitations
No CI Benefit if:
  1. Condition was previously diagnosed
  2. Sing/symptoms occurred in the previous 12 months
  3. Diagnosis occurs within waiting period
Exclusions
  1. War or military
  2. Hazardous sports/activities
  3. Suicide (first 2 years)
  4. Illegal acts or felony involvement
  5. Substance abuse (unless prescribed)
Great For
  1. Everyone
  2. Those wanting Life and Critical Illness in one plan

    • Related Articles

    • Health Access - Allstate

      What It Does Pays a set dollar amount for everyday health services- office visits, labs, hospitalization, surgery, urgent care, and more. Plan Levels Metal Gap, Core, Plus Eligibility and Renewability Ages 0-64 Benefit Amounts Office visits: $100 - ...

    • Cancer & Heart/Stroke - Allstate

      What It Does Provides cash benefits directly to the insured after the first-ever diagnosis of cancer/ heart attack, or stroke. Plan Levels Guaranteed-issue: $25,000 or $30,000 Standard-issue: $50,000 or $75,000 Benefits First-ever cancer diagnosis - ...

    • Plan Enhancer - Allstate

      What It Does Provides cash benefits directly to you after an accident, critical illness or hospitalization and is guaranteed issue Modular, Customizable Coverage All plans have Accident Medical Expense (AME) coverage Cancer and Heart/Stroke Rider ...

    • Accident Fixed-Benefit - Allstate

      What It Does Provides set cash payment for injuries and medical services after an accident. Cash is paid directly to the client and can be used for any purpose. No Annual or Lifetime Limits No limits on the number of accidents covered Each accident ...

    • Select Dental PPO - Allstate

      What It Is Individual and family dental coverage with options vision add-ons Immediate Dental and Vision Benefits Day-one dental benefits (6-month waiting period for Major under Copay Plan 1) Optional vision add-ons Dental Plan Levels Coinsurance ...