Critical Illness & Hospital Indemnity Insurance

The fastest growing benefits in the country are Critical Illness Insurance and Hospital Indemnity Insurance. National Insurance Store has contracted with the leading carriers in the industry to provide the most complete coverage and favorable underwriting. Many of our solutions are streamlined underwriting or virtually guaranteed acceptance.

Critical Illness Insurance

NEW!   $15,000 Critical Illness plan....guaranteed issue if still medical medical exams.....only $11.50 per month!

Unlike disability insurance, Critical Illness insurance is designed to pay a lump sum in the event of a serious accident or illness. Whether it’s due to breast cancer, heart attack, stroke, blindness, coma or even Alzheimer’s. Critical Illness insurance can pay up to $500,000 in a lump sum. This money is not paid to a doctor or hospital and is not designed to reimburse you for incurred expenses….it is paid simply due to the occurrence of one of the listed conditions. The money is yours… can pay off debts such as a car loan or home mortgage or simply take a vacation to recover from your situation. Some policies will pay for up to three different occurrences if due to separate causes such as cancer, stroke or accident.

Some policies have strict underwriting while others have guaranteed acceptance in certain states.

Hospital Indemnity Insurance

Many plans pay up to $1,000 per day in the hospital. Additional benefits may include the following:

  • Up to $2,000 per day for intensive care
  • Up to $1,000 room and board per day
  • Accidental death benefit
  • Follow-up doctor visits
  • Surgical procedures
  • Pet care while hospitalized
  • Additional lump sum cancer benefit
  • Guaranteed acceptance for most eligible applicants**
  • Guaranteed acceptance for all between 64 ½ and 65 ½**

** Not all policies are available in all states.

For your personalized quote, please complete our short inquiry.

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Please check the policies you are interested in

Dennis Stephens, CLU

PO Box 11159
Burke, VA 22015

Dennis Stephens, CLU has been ​working with federal employees for 45 years and has been a Chartered Life Underwriter, CLU since 1987. He is licensed in all fifty states with all major insurance carriers. He has operated, and online for 20 years. The launch of is designed to specifically address the the unique needs and concerns of the senior federal community.