Critical Illness Insurance
Critical illness insurance is medical insurance that pays a lump-sum benefit upon diagnosis of a critical
illness or condition. A critical illness insurance payout helps you avoid the financial strain a major illness
can create so you can focus on your recovery.  The concept was pioneered by Dr. Marius Barnard who
with his brother Christian preformed the world’s first human heart transplant

Critical illness insurance gives you the freedom to:

  • Get the treatment you want
  • Spend time with your family and friends
  • Keep your home and other assets

Traditional health insurance is valuable, but often limiting.  Because medical treatment is more advanced
than ever, it's also more expensive.  People today often experience financial hardship because of the
medical expenses their health and disability insurance don't cover.  Critical illness insurance could be a
strong supplement to other health insurance, paying for deductibles and coinsurance of your health
insurance policy and travel expenses for you and your family if you seek treatment away from home.  The
benefit from a critical illness policy is payable directly to you and coverage is not related to any other health
or disability policy that you have in place.

Critical illness insurance pays 100% of your maximum benefit amount for:

  • Heart Attack (myocardial infarction)
  • Life-threatening cancer
  • Stroke
  • Alzheimer's disease
  • Major organ transplant
  • Multiple Sclerosis
  • Paralysis
  • Kidney failure
  • Blindness
  • Deafness

To learn more about critical illness insurance and receive a quote, please
click here.
Click here to read
an endorsement
for critical illness
insurance from
one of our clients
Trout Insurance is a full line insurance agency located in Asheville, NC.  Trout Insurance offers life, health, disability, Medicare supplement, long term care insurance home and auto insurance for
individuals as well as college funding  and retirement planning.  Christopher Smith, Dave Trout, Jan Trout and Ralph Redpath are independent insurance agents with Trout Insurance.  Christopher Smith
specializes in group health insurance, employee benefits, insurance needs for business owners, key person disability insurance, disability buy out insurance, individual life insurance, short term health
insurance,  disability insurance, long term care insurance, group long term care insurance and critical illness insurance.  
Dave Trout specializes in life and disability insurance, Medicare supplement
insurance, retirement planning for individuals and businesses, commercial business insurance and college funding.  
Jan Trout specializes in individual health insurance.   Ralph Redpath specializes in
home and auto coverage.  Web site design by
Christopher Smith.  Agency photo by Jason Sanford.