Critical Advantage

Critical Illness Insurance

Issue Ages: 18-64, 18-54 (Term)
Adult Coverage: $10,000 to $100,000
Base Benefit: Lump sum payment. Return of Premium upon Death.
Coverage Options: Guaranteed for Lifetime. Term for 10, 15, 20 or 30 years.
Covered Conditions:

  • 100%: Internal Cancer or Malignant Melanoma, Heart Attack, Stroke, Alzheimer’s Disease, Major Organ Transplant, Blindness, Paralysis, Deafness, Kidney Failure.
  • 25%: Coronary Artery Bypass SurgeryCoronary Angioplasty

Optional Riders: Intensive Care Unit, Cash Value
General Underwriting Guidelines:

  • Express (benefit amounts of $10,000 to $50,000)
  • Simplified (benefit amounts of $51,000 to $100,000)

Cancer Insurance

Issue Ages: 18-89, 18-54 (Term)
Adult Coverage: $10,000 to $100,000
Base Benefit: Lump sum payment
Coverage Options: Guaranteed for Lifetime. Term for 10, 15, 20 or 30 years.
Covered Conditions:

  • 100%: Internal Cancer or Malignant Melanoma

Optional Riders: Heart Attack & Stroke, Intensive Care Unit, Cash Value
General Underwriting Guidelines:

  • Express (benefit amounts of $10,000 to $50,000)
  • Simplified (benefit amounts of $51,000 to $100,000)

Heart Attack & Stroke Insurance

Issue Ages: 18-89, 18-54 (Term)
Adult Coverage: $10,000 to $100,000
Base Benefit: Lump sum payment
Coverage Options: Guaranteed for Lifetime. Term for 10, 15, 20 or 30 years.
Covered Conditions:

  • 100%: Heart Attack, Stroke
  • 25%: Coronary Artery Bypass Surgery, Coronary Angioplasty

Optional Riders: Cancer, Intensive Care Unit, Cash Value
General Underwriting Guidelines:

  • Express (benefit amounts of $10,000 to $50,000)
  • Simplified (benefit amounts of $51,000 to $100,000)

Sales Tools

AudienceDocumentUpdatedLink
Advisor Use OnlyForms11/20/2025Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide05/28/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer Use“Designed with Recovery in Your Mind” Consumer Brochure09/11/2025459902Click Here
Consumer UseCritical Advantage Portfolio Consumer Brochure09/11/2025459893Click Here
Consumer UseConsumer Brochure09/11/2025459894Click Here
Consumer Use“Peace of Mind with Return of Premium” Consumer Flyer09/11/2025459905Click Here
Advisor Use OnlyMutual Perks Advisor Flyer11/11/2025461403Click Here
Advisor Use OnlyAdvisor Guide09/11/2025459896Click Here
Advisor Use OnlyState Availability09/11/2025459971Click Here
Advisor Use OnlyState Differences Matrix09/11/2025467818Click Here
Advisor Use Only“Designed with Recovery in Mind” Advisor Flyer09/11/2025459907Click Here
Advisor Use Only“The Perfect Complement to Existing Coverage” Advisor Flyer09/11/2025459975Click Here
Advisor Use Only“Cancer Insurance – Tough Battle Right Team” Flyer09/11/2025455965Click Here
Advisor Use Onlye-Application FAQ Advisor Flyer09/11/2025459973Click Here
Advisor Use OnlyeApp Quick Start Guide09/11/2025459980Click Here

Dedicated Team

2026 fmiAgent Point Awards

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