Click Here to View Optional Riders and Covered Conditions

Source: American Heart Association, "Heart Disease and Stroke Statistics - 2011 Update

Some exclusions and exceptions apply. Benefits and percentages may differ or not be available.

Death from any cause is a 100% benefit Except suicide during the first two years (first year for Colorado, Missouri, and North Dakota).


Living benefits are paid directly to you. You choose how to spend the benefit at a time when you and your family may need extra cash the most. For example

  • Home Health Care
  • Cost of Caregivers
  • Lost Income of Self or Spouse
  • Daily Living Expenses
  • Co-Pays and Deductibles
  • Non-Covered "Experimental" Treatments
  • Housekeeping or Child Care Expenses
  • Maintenance of Your Family's Quality of LIfe

Each year approximately 1.2 MILLION Americans suffer heart attacks, and about 795,000 will suffer a stroke (one every 40 seconds, on average). 1

Critical illness coverage

Almost everyone knows someone who has experienced a critical illness of some kind... and survived physically. Critical Illness insurance is designed to help people through the financial challenges associated with survival of a critical illness. The Timber Ridge Series is designed to pay as a lump sum to you​.

Why Critical Illness Coverage?