Frequently asked questions

No. Cancer Heart Stroke Insurance is an educational website and referral directory. We explain how supplemental coverage works and connect you with independent licensed agents. We don't sell insurance or give advice about your situation.

No. These are supplemental plans. They usually pay a set amount or a lump sum to you when a covered event happens, which you can use for deductibles, travel or bills. They are not a substitute for major medical coverage.

Cancer insurance covers cancer only. Critical illness insurance typically covers a list of serious conditions — often cancer, heart attack and stroke — in one policy. What's covered, and how much is paid, varies by policy and state.

Often not for that condition. Many policies exclude pre-existing conditions or have waiting periods. A licensed agent can explain which options may be available to you.

Licensed agents can list for free, or reserve an exclusive territory — a ZIP code, a state, or the whole country — so shoppers in that area who ask for help are connected to them.

Ask exactly what triggers a payment, how much is paid, any waiting periods and exclusions, whether the benefit reduces with age, and whether premiums can rise. Read the outline of coverage before you sign.