Buying critical illness insurance online has never been easier. Today, more people want fast, private, no-pressure ways to compare coverage from home—without an agent phone call unless they choose one. At Diversified Insurance Brokers, we make that possible. You can research, compare, and even apply 100% online using our secure Quote & Apply portal, all powered through Assurity’s streamlined digital underwriting.

Whether you’re concerned about cancer, heart attack, stroke, or another major illness, critical illness insurance provides a tax-free lump-sum benefit the moment you’re diagnosed. That cash is yours to use however you want: medical bills, mortgage payments, lost income, treatment travel costs, or anything else. It’s one of the simplest and most affordable ways to protect your finances from high-cost medical events.

Why Buy Critical Illness Insurance Online?

Most people purchase critical illness insurance online for the same reason they compare annuities, life insurance, and other financial tools digitally: convenience. The online application takes only a few minutes, asks clear health questions, and provides immediate underwriting decisions in most cases.

Some key advantages of buying online include:

• No appointments or sales pressure — you move at your own pace.
• Fast approvals, often within minutes.
• Better privacy if you prefer not to speak with an agent.
• Immediate coverage once approved and the first payment processes.
• Clear online explanations of benefits, exclusions, and costs.

Many of our online applicants are also exploring the cost of large annuity payouts, evaluating coverage with health issues, or planning for long-term financial protection. Critical illness insurance fits naturally into those conversations because it provides immediate liquidity in the worst-case scenarios.

How Critical Illness Insurance Works

Critical illness insurance pays out a tax-free lump sum if you are diagnosed with a covered medical condition such as:

• Cancer
• Heart attack
• Stroke
• Kidney failure
• Major organ failure
• Coronary artery bypass surgery
• Advanced neurological conditions

Coverage amounts typically range from $5,000 to over $100,000. Most people choose an amount that would cover 3–6 months of living expenses or match their out-of-pocket maximum on their health plan.

The benefit is flexible—you can use it for medical costs not covered by insurance, experimental treatment, mortgage payments, debt payoff, travel for care, or simply replacing lost income.

Online Critical Illness Quotes vs. Agent-Assisted Quotes

Some people want the speed and independence of applying online. Others prefer expert help reviewing options, especially if they’re also considering retirement income strategies, long-term care planning, or underwriting questions.

Both approaches work—and you can switch between them anytime.

If you want no-agent involvement, the Quote & Apply portal allows you to:

• Review pricing in seconds
• Customize benefit amounts
• View exact exclusions
• Submit your application digitally
• Sign electronically

However, if you have medical questions, a complicated history, or want to understand how critical illness coverage fits into your broader plan, our advisors can help you compare options the same way we help clients choose between income riders on annuities or evaluate IRA transfers into annuities.

Is Critical Illness Insurance Worth It?

For many households, yes. With high-deductible health plans, rising medical inflation, and increased survival rates for major illnesses, having a cash buffer can prevent debt, bankruptcy, or an early retirement drawdown. It’s especially valuable if you:

• Have limited emergency savings
• Are self-employed or rely on variable income
• Have a family depending on your paycheck
• Carry a mortgage or significant debt
• Have a family history of serious illness

If you’re planning your finances holistically, it can complement retirement protection strategies and long-term safety nets such as income protection insurance.

What It Costs When You Apply Online

Premiums are based on:

• Your age
• Your health
• Your tobacco status
• Benefit amount
• Whether you add riders

Most people are surprised at how affordable coverage is—many applicants under age 45 pay less than the cost of a weekly restaurant meal. Older applicants or those with family histories of cancer or cardiac illness often use critical illness coverage to fill the gap between major medical insurance and their overall financial plan.

How to Apply Online Step-by-Step

The Quote & Apply process is simple:

1. Click the Quote & Apply button below.
2. Choose your coverage amount.
3. Answer short health questions.
4. Review your pricing.
5. Submit your application digitally.
6. Sign electronically.

Most applicants receive an instant decision—or a short follow-up if more information is needed.