Products & Services
Critical Illness Insurance
Financial flexibility during a serious health event.
Critical illness coverage may provide a direct benefit after a qualifying diagnosis. It can help individuals address expenses that extend beyond the scope of medical coverage.
What critical illness insurance covers
Unlike health insurance, which reimburses providers for specific services, critical illness insurance pays the policyholder directly. The benefit can be used for anything: lost income, experimental treatment, travel to a specialist, mortgage payments, or simply keeping the household running during recovery.
Cancer
Most policies cover invasive cancers and many include early-stage or in-situ diagnoses at a partial benefit.
Heart Attack
Acute myocardial infarction resulting in measurable cardiac damage, as confirmed by clinical and diagnostic criteria.
Stroke
Cerebrovascular events resulting in permanent neurological deficit, typically confirmed by imaging.
Organ Failure & Transplant
Major organ failure requiring transplant — kidney, liver, heart, lung — is covered under most comprehensive policies.
Coronary Artery Disease
Bypass surgery and other major cardiac procedures are commonly included as covered events.
Additional Conditions
Many carriers extend coverage to ALS, MS, Parkinson's, severe burns, paralysis, and other serious diagnoses. Exact conditions vary by policy.
Who this is for
Employees with high-deductible health plans
HDHPs leave significant out-of-pocket exposure. A critical illness benefit bridges the gap between what insurance pays and what the employee actually owes.
Business owners and key executives
A diagnosis can sideline a key person for months. The lump-sum benefit provides personal financial stability while the business navigates the transition.
Employees with family history of serious illness
Those with elevated genetic or lifestyle risk often find critical illness coverage among the most cost-effective protections available.
Employers building a voluntary benefits stack
Critical illness is a high-perceived-value, low-cost voluntary benefit that employees can elect and pay for through payroll deduction.
How SilverStone helps
We design critical illness programs for employer groups and individuals alike. As an independent broker, we compare benefit amounts, covered conditions, return-of-premium riders, and carrier financial strength — then recommend the structure that fits your workforce and budget.
Workforce assessment
We review your existing benefits stack to identify gaps and determine the right benefit amount and structure for your employee population.
Carrier comparison
We quote multiple A-rated carriers and compare covered conditions, benefit triggers, exclusions, and premium rates side by side.
Enrollment support
We coordinate enrollment communications, decision-support tools, and payroll deduction setup so participation is high from day one.
Ongoing plan review
We revisit the program annually and at renewal to confirm coverage remains competitive and claims experience is within expectations.
Add critical illness coverage to your benefits program.
A 30-minute conversation with SilverStone is enough to determine whether critical illness insurance belongs in your benefits stack — and what it would cost your employees.
