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
| Audience | Document | Updated | Link |
|---|---|---|---|
| Advisor Use Only | Forms | 11/20/2025 | Click Here |
| Advisor Use Only | Multi-Carrier Underwriting Guide | 05/28/2026 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Consumer Use | “Designed with Recovery in Your Mind” Consumer Brochure | 09/11/2025 | 459902 | Click Here |
| Consumer Use | Critical Advantage Portfolio Consumer Brochure | 09/11/2025 | 459893 | Click Here |
| Consumer Use | Consumer Brochure | 09/11/2025 | 459894 | Click Here |
| Consumer Use | “Peace of Mind with Return of Premium” Consumer Flyer | 09/11/2025 | 459905 | Click Here |
| Advisor Use Only | Mutual Perks Advisor Flyer | 11/11/2025 | 461403 | Click Here |
| Advisor Use Only | Advisor Guide | 09/11/2025 | 459896 | Click Here |
| Advisor Use Only | State Availability | 09/11/2025 | 459971 | Click Here |
| Advisor Use Only | State Differences Matrix | 09/11/2025 | 467818 | Click Here |
| Advisor Use Only | “Designed with Recovery in Mind” Advisor Flyer | 09/11/2025 | 459907 | Click Here |
| Advisor Use Only | “The Perfect Complement to Existing Coverage” Advisor Flyer | 09/11/2025 | 459975 | Click Here |
| Advisor Use Only | “Cancer Insurance – Tough Battle Right Team” Flyer | 09/11/2025 | 455965 | Click Here |
| Advisor Use Only | e-Application FAQ Advisor Flyer | 09/11/2025 | 459973 | Click Here |
| Advisor Use Only | eApp Quick Start Guide | 09/11/2025 | 459980 | Click Here |
Dedicated Team
2026 fmiAgent Point Awards
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