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Why Prepare?

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    Fast & Simple Application

    We’ve made it easy. No really, it should take you less than 5 minutes.
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    Transparent Pricing

    The price you pay each month is based on your age, tobacco use, gender, and benefit amount at the time the policy is issued.  Subsequent changes to your health or age, do not affect the price you pay.
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    Cancel at Anytime

    If you are not happy with your coverage, or you have now built up a solid financial safety net, you can cancel at any time.
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    Freedom to Use the Money How You See Fit

    Once diagnosed with a critical illness, you are paid directly. You get to choose how you use the money, whether that’s on your health deductible, mortgage payments, or everyday living expenses.

Our Mission

Prepare Insurance is all about giving back and providing you with coverage that best fits your needs! We believe that it’s not just coverage, it’s paying it forward. It is more important than ever to further the research of the critical illnesses we protect against. To support our mission, Prepare designates 10% of our profits to the Children’s Cancer Research Fund. By choosing our insurance products, you are also choosing to support the patients and families fighting the devastating effects of cancer.

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People First, Always

We have all seen the heart breaking stories of fundraising attempts by families to cover medical costs and we have given to many of them, but we believe you should not leave the ability to help cover your medical costs up to chance. We’re here for you, to protect your livelihood and support a better world! We have digitalized the process of obtaining critical illness insurance to be simple, quick, and transparent. Our policies are easy to understand, simple to purchase, and give you the power to use the benefit amount in any way you’d like.

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Your Quote,
Right Now

Get a personalized quote instantly.

No need to talk to an agent.

$25,000 Benefit for $20/mo1

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1 Rate is based off of 34 year old male non-smoker from Nebraska

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Kearney, NE 68847
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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.