Critical Insurance was first developed by world famous heart surgeon, Dr. Marius Barnard, who, with his brother Christiaan, performed the worlds first successful human-to-human heart transplant in South Africa in 1967. Critical Insurance fills a need that no other insurance product does. It pays a lump sum of tax free cash upon diagnosis of one of a number of specified illnesses which can be used to replace lost income during a lengthy illness, to pay off your debt, or to pay for the treatment YOU chose, regardless of whether it is covered under your health insurance or not. Critical Insurance is not available in all states.

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