Critical Illness and Injury Insurance

Get financial support when it's critical

Receive $10,000 directly upon each diagnosis of a critical illnessD

A critical illness such as cancer, heart attack, stroke, paralysis or a coma can change your life in an instant. As a First Citizens Bank customer, you can prepare financially with critical illness and injury insurance from Securian Life Insurance Company. Cash benefits are paid directly to you in addition to any other insurance you may have, so you can worry less about money and focus more on getting well.

Preauthorized acceptance

You won't have to provide medical information or family health history. Coverage is guaranteed if you're 64 or younger.DD

Up to $100,000 lifetime benefits

From your first day of coverage, you'll receive a check if a doctor diagnoses a new covered illness or injury. And if a covered condition returns, you'll get another claims check.DD

Simple claims processing

Lump-sum benefits are paid directly to you upon diagnosis—not upon treatment—to spend however you want.

Get coverage for you, and lock in your rate today

Get coverage when you need it the most

Critical illness and injury insurance pays $10,000 for the first and second occurrence of each covered condition,DD up to $100,000 total lifetime benefits.

  • Guaranteed acceptance to age 64
    Enroll in minutes with no medical exams and no health questions, and keep coverage until you're 90.
  • Money to spend the way you choose
    Cash benefits are paid directly to you on top of other insurance.
  • Pays not once but twice
    This type of insurance pays for the first and second occurrence of covered conditions, up to $100,000 total lifetime benefits.DD
  • Simple claims processing
    Lump-sum benefits are paid upon diagnosis, not treatment.
  • Locked-in rates
    Group rates are based on your age at enrollment and can't increase due to age or health.

Critical Illness & Injury Insurance FAQ
People often ask us

Yes. Critical illness and injury insurance is available to First Citizens Bank customers ages 18 to 64. After enrollment, you can continue your coverage up to age 90. Benefit amounts reduce by 50% at age 65 or older.

Benefits for eligible critical illnesses are $10,000 per occurrence or recurrence. Coverage is available for the individual group member only.

This type of insurance supplements your other coverage plans. Your health insurance pays for medical procedures, while critical illness and injury insurance pays you a flat benefit amount that can be used for anything you choose.

No. Medical exams, blood tests and answering health questions aren't required to obtain or maintain this coverage.

No. You can use your claims payments for anything you want, including medical, family or personal expenses of any kind. Full cash benefits are paid regardless of your actual medical expenses.

Insights
A few insurance insights for your life

Insurance

Other types of insurance to consider

Consider going beyond traditional coverage with other types of insurance.
In many ways, you can think of insurance as a way to protect your life's savings.
Insurance

Do you need AD&D insurance?

Consider buying insurance to protect your family's finances in case of an accident.
You could purchase an accidental death and dismemberment policy by itself, although it's generally offered as an add-on to a basic disability or life insurance policy.
Insurance

How hospital indemnity insurance works

Hospital indemnity insurance can help you cover the gaps in your health insurance.
Many policyholders use hospital indemnity insurance for family planning.

Plan benefit amounts reduce by 50% at age 65, regardless of age at enrollment.

Coverage requires a 3-month separation between initial occurrence and recurrence.

This coverage includes a preexisting condition limitation. If a claim is filed within 6 months of the policy's effective date, the claim will be reviewed to determine if it's due to a preexisting condition. If the condition was present within the 6 months prior to the policy's effective date, no benefits will be paid. Upon 6 months after the effective date, a claim will no longer be reviewed for a preexisting condition and would be eligible for claims payment.

Insurance products are not deposits or other obligations of, or guaranteed or insured by, First Citizens Bank or any of its affiliates, and are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third-party website.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

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