With stroke the number one cause of long-term disability in America and nearly 735,000 heart attack survivors every year, it’s easy to see how one of these events could quickly become expensive and financially life-altering. Point Rock Group has found the solution with our Flexible Choice Heart Attack and Stroke Policy. Lump Sum payment directly to you upon diagnosis to use however you need helps you stay financially fit during an otherwise chaotic time.

Choose supplemental insurance that provides support when you need it most

Whether you suffer a heart attack or stroke, or receive a covered procedure for a heart condition, our Lump Sum Heart Attack & Stroke Insurance Policy helps to provide the support you need to get back on your feet. For an affordable monthly premium, you can select a maximum benefit amount of $5,000 to $100,000 to use in any way you choose if you suffer from a heart attack, stroke or other covered procedure.1

Get support when you need it most

When Charlotte had a heart attack, she was grateful that the doctors were able to stabilize her condition. But she learned that there was permanent damage to her heart. Charlotte began to see her expenses adding up quickly. Things like medical deductibles, co-insurance and payments for her doctor’s visits were her responsibility. Luckily, Charlotte had purchased a Lump Sum Heart Attack & Stroke Policy and received a cash benefit as a result of her heart attack. This added support let Charlotte focus more on her recovery and less on how she was going to pay her bills.^

How can a Lump Sum Heart Attack & Stroke Policy help me?

Our policy pays a cash benefit that can be used to help pay medical expenses not covered by your primary health insurance, or to help with everyday expenses — allowing you to focus on recovery. Whether helping to pay annual medical deductibles or helping you with things like a housekeeper or dog walker, we make it easier to get well and stay well.2

What’s covered?
  • Conditions and procedures such as heart attack, stroke, heart transplant, angioplasty, coronary artery bypass surgery and other covered procedures
  • Your policy is Guaranteed Renewable for Life
How can I spend the money?
  • A lump sum cash benefit from $5,000 – $100,000 to use in any way you wish1
  • It’s your decision how to spend the cash benefit – use it to help pay out-of-pocket medical costs, or to help with expenses like monthly bills or groceries2
More affordable than you may think

For less than it might cost to take your family to the movies, a Lump Sum Heart Attack & Stroke Policy can help provide peace of mind after a heart attack, stroke or covered procedure occurs. Protect yourself with a policy for around $19 per month.*

Call now and get a quote… 800-680-3446

^All case scenarios are presented for illustration only.

*Premium based on the individual rate for a 40 year old in Alabama with a $20,000 benefit amount. Individual rates will vary based on your state, age at time of issue, coverage type and the benefit amount you select. Rates are subject to change. In South Carolina and Washington, the minimum benefit amount is $25,000.

Policy cannot be canceled as long as you pay your premium when due. The company reserves the right to increase premiums on a class basis.

1Minimum and maximum benefit amounts may vary by state and all benefits payable are subject to the terms and conditions of the policy.

2Benefits received in excess of medical expenses may be considered taxable income. Consult your tax advisor.

3Mozaffarian D, Benjamin EJ, Go AS, et al. Heart Disease and Stroke Statistics—2015 update: Ch. 19 e227; a report from the American Heart Association.

4Mozaffarian D, Benjamin EJ, Go AS, et al. Heart Disease and Stroke Statistics—2015 update: Ch. 14 e158; a report from the American Heart Association; citing the Survey of Income and Program Participation, a survey of the U.S. Census Bureau.


Lump-Sum Heart Attack & Stroke Policy/Rider and Heart Attack & Stroke Restoration Benefit Rider.

If you happen to be diagnosed with two or more qualifying events on the same day or have two or more surgical treatments at the same time (through a common incision or entry point are considered one operation), we will pay only one benefit amount for the diagnosis and one benefit amount for the surgical treatment, the larger of the qualifying event benefits.

 

No benefits will be payable for:

  1. Any disease, sickness or incapacity other than qualifying events as defined; this is so even though such disease, sickness or incapacity may have been complicated, affected (directly or indirectly) or caused by a qualifying event;
  2. Loss that begins prior to the policy and/or rider effective date;
  3. A qualifying event diagnosed during the waiting period;
  4. Diagnosis received outside the United States or its territories, unless otherwise specified in the policy and/or rider;
  5. Intentionally self-inflicted injury, suicide or any attempt while sane or insane;
  6. Voluntary self-administration of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a physician and taken in accordance with the prescribed dosage; and

7. Any illness specifically excluded from the definition of qualifying events listed in the policy and/or rider. Waiting period: The first 30 days following your policy or rider effective date. If diagnosed with a qualifying event during the waiting period, your coverage will be terminated under this policy or rider, and any applicable portion of premiums be refunded.


Lump Sum Heart Attack & Stroke Rider

If you happen to be diagnosed with two or more qualifying events on the same day or have two or more surgical treatments at the same time (through a common incision or entry point are considered one operation), we will pay only one benefit amount for the diagnosis and one benefit amount for the surgical treatment, the larger of the qualifying event benefits. No benefits will be payable for:

  1. Any disease, sickness or incapacity other than qualifying events as defined; this is so even though such disease, sickness or incapacity may have been complicated, affected (directly or indirectly) or caused by a qualifying event;
  2. Loss that begins prior to the rider effective date;
  3. A qualifying event diagnosed during the waiting period;
  4. Diagnosis received outside the united states or its’ territories, unless otherwise specified in the rider;
  5. Intentionally self-inflicted injury, suicide or any attempt while sane or insane;
  6. Voluntary self-administration of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a physician and taken in accordance with the prescribed dosage; and
  7. Any illness specifically excluded from the definition of qualifying events listed in the rider.

Waiting period: The first 30 days following your rider effective date. If you’re diagnosed with a qualifying event during the waiting period, your coverage will be terminated under this rider, and any applicable portion of premiums will be refunded.