Protect Clients from the Financial Shock of a Serious Diagnosis
Because recovery shouldn’t come with a bill.
When a major illness hits—heart attack, cancer, stroke—your clients should be focusing on treatment and recovery, not scrambling to cover lost income, deductibles, or uncovered treatments. Zurich Critical Illness Insurance pays a lump sum cash benefit directly to the insured upon diagnosis, to use however they need.
Why Agents Love Selling It
High perceived value for a low monthly premium starting at $12.92 for members.
Simple sales conversation—emphasizes income protection, not just medical coverage.
Wide target market—appeals to self-employed, gig workers, and families looking to fill coverage gaps.
Pairs easily with other supplemental products like Hospital Indemnity and Accident coverage to increase case size.
Fast, clean enrollment via AFEUSA membership—no lengthy medical underwriting for most applicants.
What Makes Zurich Critical Illness Different
Direct cash payout upon diagnosis of a covered illness—spend it on anything from medical bills to mortgage payments.
Broad coverage for cancer, heart and circulatory conditions, major organ transplants, paralysis, coma, blindness, and more.
Flexible benefit amounts up to $20,000.
100% benefit for spouse and up to $5,000 for children at no extra underwriting complexity.
Nationwide availability (subject to state variations) through AFEUSA group purchasing power.
No coordination with other coverage—benefits pay regardless of what other insurance your client has.
Commissions that Build Long-Term Income
Agents enjoy competitive street-level commissions on every sale, with level renewal income year after year. Because this is a supplemental product, it’s an easy add-on that boosts your per-client revenue without a long sales cycle.
Agent FAQ: What You Need to Know to Sell This Confidently
Who is eligible for this plan?
Enrollment is open to AFEUSA members ages 18–64. Coverage ends at age 75, with a 50% benefit reduction starting at age 67.
What illnesses are covered?
Covered conditions include:
Cancer (Type 1, Type 2, Skin, Benign Brain Tumor)
Heart & Circulatory (Heart Attack, Stroke, Coronary Artery By-Pass, Ruptured Aneurysm)
Transplants (Major Organ, End Stage Renal Failure)
Paralysis/Loss of Use (Paralysis, Coma, Blindness, Loss of Speech, Loss of Hearing)
How is the benefit paid?
As a lump sum directly to the insured, to use for any purpose—medical costs, household bills, travel for treatment, or recovery needs.
Are there waiting periods?
Yes. There’s a 30-day waiting period for most illnesses and 90 days for cancer.
Are pre-existing conditions covered?
No, not during the first 12 months of coverage. After that period, the exclusion for that condition no longer applies.
Can clients have other health coverage?
Absolutely. This benefit pays in addition to any other health, disability, or supplemental plan.
Before you go... Are you prepared?
We’re entering the most disruptive chapter of health insurance since the ACA. This is your window to grow — is your strategy solid? Talk with a success rep today!