You get a lump sum, TAX FREE (pre-determined Policy Face Value), when diagnosed with a critical illness. Most companies covers over 20 of the major illnesses; such as Cancer, Stroke, Heart and Parkinson. One needs to review the covered illnesses. Most contract requires the insured to survive at least thirty days (30) from prognosis.

Covers the cost of long term care services, including care services in:

1. In your home, such as assistance with activities of daily living.
2. Health care facility or nursing home.