The Paycheck
When Work Has to Wait
Treatment and recovery can mean weeks or months away from work — for you and the spouse who steps in to care for you.
Replace lost income while you heal Critical Illness Insurance
Health Insurance Pays the Hospital. This Pays the Household.
A lump-sum cash benefit paid directly to you on diagnosis of cancer, heart attack, or stroke — use it for the mortgage, the groceries, the lost paycheck, anything. It pays on top of whatever coverage you already have.
- Pays cash directly to you — on top of any other insurance
- No medical exam for most applicants
- Your rate locks in at your current age
1 in 3
Americans diagnosed
with cancer in their lifetime
with cancer in their lifetime
Every 40s
someone in the U.S.
has a heart attack or stroke
has a heart attack or stroke
67
median age of a
cancer diagnosis
cancer diagnosis
44%
of adults 50–64
carry medical debt
carry medical debt
How It Works
Simple, By Design
No receipts, no fighting over what's covered. You're diagnosed, you get a check. Here's the whole process.
Talk to an Advisor
A licensed AMAC advisor walks you through how it works and what coverage fits — free, no pressure.
Lock Your Rate
Most applicants need no medical exam. Your rate is set at today's age — and it stays locked.
One Check, Direct to You
If you're diagnosed with a covered condition, you get one lump sum, paid straight to you.
Free & No Obligation
See If This Coverage Fits
Tell us a little and a licensed advisor will explain your options and what it would cost — usually the same day. No cost, no pressure.
- Cash paid directly to you, for anything
- Pays on top of Medicare or your work plan
- No medical exam for most applicants
- Your rate locked at today's age
Licensed in all 50 states
No-obligation quote
Your info stays private
Takes under 2 minutes
Get Your Free Quote
Request received!
A licensed agent will reach out shortly — usually the same day. Prefer to talk now? Call 877-974-2622.
Where the Money Goes
The Bills Health Insurance Never Touches
A diagnosis stops more than your health. The cash is yours to spend on whatever keeps the household steady.
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The Home
Keeping the Lights On
The mortgage, the groceries, the utilities — none of them pause for a diagnosis. Health insurance won't pay a single one.
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The Nest Egg
Protecting Your Savings
Among older adults with health care debt, many drained a large part of their savings. This is a firewall around what you built.
Cover the deductible & travel for careWhy Members Trust AMAC
Real People. Vetted Partners.
2,000,000+ Members
The same organization millions already trust on Medicare and Social Security curates this benefit too.
Vetted for the 50+ Buyer
AMAC built its name on insurance guidance done right. The same vetting standard applies to its critical illness partners.
Always Real People
No chatbots and no call-center runaround — just licensed humans on the phone and a no-pressure path online.
Common Questions
Critical Illness, Straight
I already have health insurance or Medicare — why this too?
Health insurance and Medicare pay your doctors and hospitals. They don't pay your mortgage, replace a paycheck during recovery, or cover the gas to a specialist. Critical illness pays YOU a lump sum of cash, directly, on top of whatever else you have.
I'm healthy — won't this happen far in the future, if ever?
That's the best time to buy. The median age for a cancer diagnosis is 67, and the risk climbs steeply after 60. Buying while you're healthy means you qualify easily and lock your rate at today's age — every year you wait, it costs more.
Won't they find a reason to deny my claim?
This isn't reimbursement insurance where you fight over receipts. It's a defined benefit: if you're diagnosed with a covered condition, you get a fixed lump sum paid directly to you. The covered conditions are spelled out plainly before you ever buy.
It sounds expensive on top of everything I already pay.
Premiums are based on your age today and stay locked, and most applicants need no medical exam. Weigh that against the alternative: 44% of adults ages 50–64 already carry medical debt, and many drain their savings to cover what insurance didn't.
I'm older now — will I qualify, or do I need an exam?
Most applicants are approved with no medical exam through simplified sign-up. These plans were built for people in their 50s, 60s, and 70s who've already had a few doctor visits — not just the picture of perfect health.
Protect the Household, Not Just the Patient.
One call to a licensed advisor — free, no obligation. We'll explain how it works and what it would cost at your age today.