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Critical Illness Insurance

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Why Clients Need Critical Illness Coverage

brokers discussing critical illness plans

Now is the time for you to educate your clients about how critical illness coverage can provide financial protection for employees as part of their benefits package. Group critical illness coverage allows companies to affordably enhance their benefits offerings to help attract and retain employees. 

With employees taking on a bigger responsibility for their health care coverage, there is a clear need for them to find new ways to protect themselves financially. Recommending critical illness insurance can go a long way toward ensuring your clients have a more satisfied and financially secure workforce. It provides the added protection and financial confidence that employees seek.

Round out insurance offerings

The timing for selling voluntary benefits, like critical illness insurance, couldn’t be better. Now that health care benefits are available to all Americans, many brokers are concerned with replacing lost income due to possible commission reductions or eliminations. At the same time, employer groups, are struggling to keep costs down while still offering benefits that answer the needs of their workforce. Opportunities for brokers include:

  • A new, more consultative client relationship
  • Increased sales opportunities and
  • Additional revenue streams

In addition, voluntary benefits can give employers the competitive advantage they need to attract and retain a productive workforce in a more competitive environment.

More and more people know someone or has a family member who has suffered a critical illness

The likelihood of being diagnosed with a critical illness can be devastating. Offering critical illness insurance is an excellent way for clients to answer a very real concern for their employees - "What will happen to me and my family if I suffer a critical illness?"

60% of bankruptcies are a result of medical causes1
Employees who experience a critical illness can face serious financial difficulties as they recover. Medical expenses continue to outpace inflation. Higher premiums, copays and deductibles are just part of the concern. Costs for private nursing, childcare, even every day bills such as groceries and the mortgage can be overwhelming.

Most people are simply not prepared for the financial burden that can adversely impact their lifestyle, as well as their financial security.

Critical illness providers offer an affordable solution

Guardian offers voluntary coverage designed to complement medical and disability insurance. By helping their employees protect themselves from the financial hardship caused by a critical illness, many businesses are finding that critical illness coverage can be an affordable option when moving to a high deductible health plan.

Covered employees receive a lump-sum benefit upon first or second diagnosis of over 30 covered illnesses or conditions, such as heart attack, stroke, and cancer. The cash benefit can be used any way the employee wishes, including paying medical copays and deductibles, or for non-medical expenses such as travel costs, child care expenses, even as compensation for a spouse or family member who takes time off work to help out.

What makes this one of the best critical illness insurance plans?

Guardian understands that every company is different, which is why we help tailor plans to complement current benefit packages to meet the unique needs of all sized employee groups.

  • Up to $50,000 in coverage
  • Coverage for over 30 major illnesses
  • An option to include hospital coverage for other illness or injuries
  • Coverage for first and second occurrences
  • Occurrences are counted from the date the policy starts
  • Coverage is guaranteed for employers with 25+ employees
  • Available wellness rider for routine wellness procedures or screenings
  • Affordable group rates


Financial strength clients can count on

We've been putting our group benefits expertise to work for over 50 years. Our reputation for reliability means that brokers can feel confident recommending Guardian to clients. And they can count on us to be there when they need us most. That’s why we’re one of the most highly rated* insurers in the industry.



We’ll help every step of the way

From helping clients and their employees understand the need for group critical illness coverage, to powerful enrollment, education and service support, to managing claims - we can help customize and enhance benefits packages, while lightening administrative workloads.

Contact a Sales Representative today

We'll help clients tailor a critical illness insurance solution that can work best to meet their needs.


Product Overview

Why Clients Need Critical Illness Coverage
What Do Critical Illness Plans Cover?
Types of Critical Illness Insurance Plans
The Critical Illness Opportunity for Brokers

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