Covered conditions
The contract defines which diagnoses qualify and any severity or survival requirements.
Guardian Life & Wealth
Supplemental insurance
Create extra financial flexibility after a covered diagnosis
Critical illness policies may pay a defined cash benefit after a covered condition is diagnosed, subject to policy definitions and exclusions.
Critical illnessCreate extra financial flexibility after a covered diagnosis
What to review
Benefit structure
Policies may pay a lump sum, partial benefits, or recurrence benefits under specified conditions.
Exclusions and waiting periods
Read definitions, pre-existing condition rules, and waiting periods carefully.
Personal guidance
Talk with a financial professional
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Start a consultationImportant information
Educational content only. Insurance products, underwriting, premiums, contract provisions, exclusions, riders, availability, and guarantees vary by carrier, product, state, and applicant. Guarantees depend on the claims-paying ability of the issuing insurer.