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Fast, Free Critical Illness Insurance Quote

Fast, Free Critical Illness Insurance Quote

Apply for affordable critical illness coverage from the comfort of your home. It’s simple, fast, and fits your budget.

Apply for affordable critical illness coverage from the comfort of your home. It’s simple, fast, and fits your budget.

Kate, 35
$35,000 policy for under $25 a month¹

A Personal Finance Plan Built for Your Life

When you get diagnosed with a covered critical illness, such as cancer, heart attack, or stroke, you get a check sent directly to you. Use the money in any way you choose, regardless of any other insurance coverage you may have.

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Fast

Apply online in less than 6 minutes with no medical exams, paperwork, or hassle.
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Crucial

If you die from a cause other than a critical illness, and haven’t received any benefit, your beneficiary receives all of the money you’ve paid in premium.²

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Affordable

We have coverage options that fit your need and budget. Our policies start at just $4 a month.³

How it Works

Apply

Fill out our simple online application, it will take you less than 6 minutes.

Decision

See if your application has been instantly approved for coverage. If not, our licensed agents will handle the rest.

Benefit

If you are diagnosed with a critical illness, we’ll help you submit a claim, and you will receive a lump-sum cash benefit.

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Prepare for your future today, you have people counting on you.

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“Signing up for critical illness insurance through Prepare was fast, simple, and affordable!”

Jonathan, 31

$15,000 policy for

under $20 a month4

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Critical Illness Insurance Resources

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What does Critical Illness Insurance cover?

 
For example, with a $25,000 policy, the need for coronary bypass surgery pays a $6,250 benefit, while an invasive cancer diagnosis would pay a $25,000 benefit.

See policy conditions, limitations and exclusions.

How does Critical Illness Insurance work?
  1. You’re diagnosed with a covered critical illness.
  2. Your policy pays you a lump-sum benefit.
  3. You can use this money however you would like; paying off medical bills, living expenses, mortgage payments.
See policy conditions, limitations, and exclusions.
Why do I need Critical Illness Insurance if I have health insurance already?
If you would struggle to cover the cost of your health plan’s deductibles and co-pays or fund treatment options if faced with a serious illness, critical illness insurance may be right for you. No one should go without comprehensive health insurance. It’s important protection for your health and your financial security. But even with good health insurance, a serious illness can cause financial hardship.
How much coverage do I need?
We recommend you cover your health insurance deductible and an additional portion to cover living expenses, travel and stay, lost income, and mortgage payments.
Are there any restrictions on how I can use the money?
There are no restrictions on how you can use the money, you are free to use the money in any fashion.
How do I submit a claim or change information?
Assurity Life Insurance takes care of this information. You can use any of the resources below.
  • Assurity Customer Center
    • www.assurity.com
  • Client Services
    • 1-800-869-0355, Ext. 4279
    • clientservices@assurity.com
    • Fax: 1-888-255-2060
  • Claims Reporting and Services
    • 1-800-869-0355, Ext. 4484
    • claimsinfo@assurity.com
    • Fax: 1-800-869-0368

Disclosures & Reference

1Rate is based on 35-year-old female, non-tobacco from Florida

2Return of Premium upon Death – If the insured person dies from a cause other than a specified critical illness, 100 percent of the premiums paid for the policy and any riders, less any benefits paid under the policy and riders, will be returned to the beneficiary or estate.

3Rate is based on $5,000 benefit amount for a 26-year-old female, non-tobacco from California

4Rate is based on a 31-year-old male, non-tobacco from Texas

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© 2025 Prepare Insurance

Prepare Insurance LLC does business as Prepare Insurance Solutions in California (CA License #6001570)
NOT AVAILABLE IN NEW YORK.
CRITICAL ILLNESS INSURANCE PROVIDES LIMITED BENEFIT COVERAGE. It is not a comprehensive major medical plan or Medicare supplement policy and does not satisfy the requirement for minimum essential coverage under the Affordable Care Act (ACA). The description of benefits is intended only to highlight the insured’s benefits and should not be relied upon to fully determine coverage. If this description conflicts in any way with the terms of the policy, the terms of the policy prevail. This policy may contain reductions of benefits, limitations and exclusions. Availability of this product, final underwriting requirements, benefits and cost will depend on your application.

Policy Form No. I H1820 underwritten by Assurity Life Insurance Company, Lincoln, NE.

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.

Conditions, Limitations and Exclusions
The following limitations and exclusions apply to the policy as approved in most states. Limitations and exclusions may vary by state. For a list of all limitations and exclusions, refer to the actual policy.

Pre-existing Condition – Assurity will not pay benefits for a critical illness that is caused by a pre-existing condition unless the date of diagnosis is after this policy has been in force for 12 months from the issue date or last reinstatement date.

Reduced Benefit After Age 70 – On the policy anniversary immediately following the later of the insured’s 70th birthday, or three years from the policy’s issue date, the policy benefit amount will be automatically reduced by 50 percent. This will be the benefit amount available for the remaining years the policy is in force.

Exclusions – Assurity will not pay benefits for conditions that are caused by or are the result of the insured person: being exposed to war or any act of war, declared or undeclared; actively serving in any of the armed forces or units auxiliary thereto, including the National Guard or Army Reserve, except during active duty training of less than 60 days; engaging in hang-gliding, hot air ballooning, bungee jumping, parachuting, scuba diving, sail gliding, motor vehicle racing, parasailing, parakiting, mountain or rock climbing, B.A.S.E. jumping, sky diving or cave diving; being addicted to drugs or suffering from alcoholism; being intoxicated (as determined by the laws governing the operation of motor vehicles in the jurisdiction where loss occurs) or under the influence of an illegal substance or a narcotic (except for narcotics used as prescribed to the insured person by a physician); committing or attempting to commit a felony; being incarcerated in a penal institution or government detention facility; engaging in an illegal occupation; intentionally self-inflicting an injury; or committing or attempting to commit suicide, while sane or insane.