If cancer, a heart attack, or a stroke hits your team, cash lands first

A critical illness benefit that pays your employees directly in cash - no matter what other insurance they have.

WHAT`S COVERED

Three critical illnesses. One powerful benefit

Cancer Diagnosis

A lump-sum cash benefit it diagnosed with cancer

Lump-sum payment

Heart Attack

A lump-sum cash benefit for a qualified heart attack

Lump-sum payment

Stroke

A lump-sum cash benefit for a covered stroke

Lump-sum payment

HOW THE BENEFIT HELPS

Cash you can use for what matters most

Medical bills and deductibles

Use the cash for copays, deductibles, and out-of-pocket cost.

Out-of-network treatments

Acess the best care options without worrying about network limits

Mortgage or rent payments

Keep a roof over your head while you focus on recovery

Daily living expenses

Groceries, utilities, and other everyday cost add up

Lost income protection

Replace income while your of your employee is out of work

Whatever they need most

Because no one knows better than your employees

OPTIONAL ADD - ONS

Enhance your coverage

Recurrence Benefit

Pays again if the same condition returns after a specified time.

Experimental Treatment

Acess advanced therapies and clinical trials

Annual Wellness Benefit

Get a yearly cash benefit for covered wellness screenings

Return of premium

Get your premiums back if no claims are made

Child Coverage Option

Extend protection to your employees children

WHY BUSINESSES CHOOSE US

Built for small businesses. Backed by people who care.

Cash, not a claim

We pay your employees directly - no claims or out - of - pocket forms

Flexible benefit amounts

Choose the right coverage levels for your team and budget

Fast approval process

Most groups are approved quickly with minimal paperwork.

Easy administration

Simple enrollment billing and management - all in one peace

Dedicated support

Real people here to help you and your employees

No fine print surprise

Clear terms, upfront information, and zero hidden gotchas

From Small Business Roots to Trusted Advisor

Built with a simple mission: to help small businesses give their teams the same quality benefits big companies offer — without the complexity. Over the years, we've grown from a single advisor helping local businesses into a trusted partner for small teams across the country. Our commitment to honest guidance — and staying by your side after enrollment — has earned us the trust of business owners who don't have time to become benefits experts themselves.

98%

Claim Payout Rate

16

Years of Experience

10 k

Policies Issued

Simple. Clear. No pressure.

FREQUENYLY ASKED QUESTIONS

Got questions? We've got answers.

Is this a replacement for health insurance?

No. It works alongside health insurance, not instead of it. It pays a cash benefit directly to your employee if they're diagnosed with a covered condition - to help with costs health insurance doesn`t cover

What counts as a qualifying diagnosis?

Typically conditions like heart attack, stroke, and cancer, through the exact list depends on the plan. Well walk you through what`s covered before you enroll.

What can the payout be used for?

Whatever the employee needs - rent, travel for treatment, lost income, or anything else. It`s a cash benefit paid directly to them, with no restrictions on how it`s spent

Is there a waiting period before coverage starts?

Most plans have a short waiting period after enrollment before a claim can be made. We`ll tell you exactly what applies to your plan before your team signs up.