Critical Illness Insurance

Having the proper health insurance plan coverage can literally be a matter of life or death. Supplemental Critical Illness Insurance provides additional coverage specifically for medical and non-medical expenses.

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What is Critical Illness Insurance?

Critical illness insurance or critical illness coverage is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.

The policy may also be structured to pay out regular income and the payout may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation.

Typical Critical Illness Types

Alzheimer's disease
blindness
deafness
kidney failure
A major organ transplant
multiple sclerosis
HIV/AIDS contracted by blood transfusion or during an operation
Parkinson's disease
paralysis of limb
terminal illness

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FAQ

Why is working with an Approved Partner License Agent a better way to get my quote?

Here's an great example why! If you are looking for a health insurance plan, when the Affordable Care Act (ACA) became law, a limited number of providers were made available in each state. If you search online yourself, you could stumble upon one of those other websites mentioned above, then you will get bombarded with dozens of calls, texts and emails! Working with your own Personal Agent, they will know what plans are available in your state for both the ACA plans and also private plans. So working with ONE agent that knows all your options will cut down on your time spent being frustrated by a negative online search experience.

Does my premium increase working with a Personal Agent?

The price you pay for your insurance plan remains the same whether you get help from one of our agents or not. That’s because health insurance rates are fixed by law. So, the question is: why not work with an expert to get the right plan?

Why can't I get a real time quote on your site?

There are a thousand different places where you can get a “live” health insurance quote online. Most of these sites will sell your information to multiple agencies, that is their business model. However, we realize that we will never be able to compete with a website like healthcare.gov in offering a seamless online transaction for health insurance. Some would say that healthcare.gov doesn’t even have that process down … but we digress!

What those other websites can’t offer, however, is the ability to talk with a licensed agent about your specific health care needs and then speak with that same agent when you have questions or problems with the plan that you purchased. Our focus is not just on the providing you a quote, but on making sure you have the best long-term experience possible with your insurance plan.

What happens to my information after I press the Submit button?

We take your privacy very seriously. The information you submit to us on this website is encrypted with a secure 256-bit SSL encryption and is sent directly to one of our Approved Partner Licensed Agents. Unlike many of the “Free Quote” websites online who’s policy is to distribute your paid for information is sold to at least eight agents and agencies. We will NEVER sell or share your information with anyone. To learn more, visit our Privacy Policy.

A Smarter Way to Get Health Insurance Quotes

The Richardson Group is changing the way consumers obtain health insurance quotes with our personal concierge service approach. Fast simple insurance quotes from a single point of contact through one of our Approved Partner Licensed Agents.

Hello, my name is Deryck Richardson, co-founder of the Richardson Group. I am a veteran in the “lead generation” industry for more than two decades. If you’ve made the mistake of hitting the “Get a Free Quote” button on one of the many lead capture websites on the internet, you’ve experienced first hand the instant bombardment of your phone, SMS messaging and emails by what seems like dozens of insurance agencies only to drive you mad and to get nothing done including the one thing you did want, an insurance quote! The Richardson Group is changing the way consumers obtain insurance quotes with our personal concierge service approach. Fast simple insurance quotes from a single point of contact, through one of our Approved Partner Licensed Agents, not dozens of agents bombarding you! The Richardson Group is changing the way consumers obtain their insurance plans one visitor at a time!

“This site is really wonderful! I couldn’t have asked for more, the best experience getting a health insurance plan quote I’ve ever experienced. This is simply unbelievable efficient!”

Marco P.