Most people know treating Cancer is expensive. It is hard to realize all the ways it is expensive until you are actually diagnosed. At Point Rock Group we exist to try to help our members manage the seen and unforeseen expenses. High deductibles, gaps within major medical policies and large maximum out of pocket expenses can come as a shock to policyholders when a diagnosis comes back as cancer. Our Cancer Treatment policy is designed to pay you daily benefits for just such expenses. Some benefits included are radiation, bone marrow transplant, chemotherapy, reconstructive surgery, experimental treatments, and more.

CANCER TREATMENT INSURANCE

Get cash benefits for covered care and costs during your cancer treatment

A cancer diagnosis can change everything. But it doesn’t have to. If you do happen to receive a cancer diagnosis, your Cancer Treatment Insurance Policy will pay cash benefits for covered care and costs due to your cancer treatment.1

It’s a family matter

Jake’s family had a history of cancer, so he always knew it could be something he’d have to face. Despite years of it being in the back of his mind, the news of a diagnosis at just 37 was overwhelming. But luckily, Jake had a Cancer Treatment Policy. So he was able to get a helping hand at a time when he most needed one.^

What’s covered?

Surgery and hospitalization, treatments like chemotherapy, transportation, lodging, childcare and pet care are just some of the things that may be covered.1,2

How can I use the benefits?

You can use the cash benefits in any way you choose (unless they have been assigned to a treatment provider) – towards out-of-pocket medical expenses like co-pays, or to help with everyday costs like monthly bills, grocery and lawn care.3

What else do I need to know?
  • You can select a benefit level to provide the coverage that’s right for you and your budget1
  • Your policy is Guaranteed Renewable for Life†
More affordable than you may think

For less than you might spend each month on coffee, a Cancer Treatment Policy can help provide peace of mind after a covered cancer diagnosis occurs. Protect yourself with a low-cost, effective policy.*

Call now and get a quote… 800-680-3446

^All case scenarios are presented for illustration only.

*Premium based on the individual rate for a person in Alabama, between the ages of 40-44, with a $500/day hospitalization benefit (5 units of coverage). Individual rates will vary based on your state, age at time of issue, coverage type and the benefit option you select. Rates are subject to change.

†Policy cannot be canceled as long as you pay your premium when due. The company reserves the right to increase premiums on a class basis.

1Benefit amounts may vary by state and all benefits payable are subject to the terms and conditions of the policy.

2Coverage varies by state.

3Benefits received in excess of medical expenses may be considered taxable income. Consult your tax advisor.

4Journal of the National Cancer Institute: Cancer Prevalence and Cost of Care Projections (http://costprojections.cancer.gov/ ), accessed 6.5.14.

5http://www.livestrong.com/article/153376-the-average-cost-for-cancer-chemotherapy-treatment/ ; Ritwik Ghosh, 8.16.2013

THE ACCIDENT EXPENSE POLICY PROVIDES LIMITED BENEFIT COVERAGE FOR AN ACCIDENTAL INJURY ONLY. THE LUMP SUM HEART ATTACK AND STROKE POLICY PROVIDES LIMITED BENEFITS and should be used to supplement existing medical coverage. THE LUMP SUM CANCER POLICY AND CANCER TREATMENT POLICY ARE CANCER ONLY POLICIES and should be used to supplement existing medical coverage. A SUPPLEMENTAL POLICY IS NOT A MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE POLICY AND DOES NOT PROVIDE THE MINIMUM ESSENTIAL COVERAGE NECESSARY TO AVOID PENALTY UNDER THE AFFORDABLE CARE ACT OF 2010 (ACA).

This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Full terms and conditions of coverage are defined by and governed by an issued policy. Please refer to the policy for the full terms and conditions of coverage. Availability varies by state. This is a solicitation for insurance. An insurance agent/producer may contact you. Accident Expense, Cancer Treatment, Lump Sum Cancer, Lump Sum Heart Attack and Stroke and Individual Whole Life Insurance Policies are underwritten by Loyal American Life Insurance Company.

The Accident Expense Policy is not available in CA, CO, CT, FL, KS, KY, MA, MD, MN, MT, NH, NJ, OH, OR, TX, UT, VA & WA.
The Cancer Treatment Policy is not available in CA, CT, FL, MA, MD, MN, NH, NJ, UT, VA & WA.
The Lump Sum Cancer Policy is not available in CT, MA, MD, MN, NH, PA, UT & VA.
The Lump Sum Heart Attack and Stroke Policy is not available in CT, GA, MA, MD, MN, NH, PA, UT & VA.
The Individual Whole Life Policy is not available in CA, DE, FL & MT.

Website not approved for use in Utah.

Cancer Treatment:

Exclusions, limitations and reductions Please see your policy for exact details.

Preexisting condition(s): A condition/conditions diagnosed or for which medical advice or treatment was recommended by or received from a physician within the six months prior to the policy or rider effective date. The benefits of the policy and any attached rider will not be payable during the first 12 months that coverage is in force with respect to an insured person for any loss caused by preexisting condition(s). This 12-month period is measured from the policy and rider effective date for each insured person.

Cancer Treatment Policy and Lump Sum Cancer Rider

No benefits will be payable for:

  1. Any disease, sickness or incapacity other than cancer as defined; this is so even though such disease, sickness or incapacity may have been complicated, affected (directly or indirectly) or caused by cancer;
  2. Loss that begins prior to the expiration of the policy waiting period or rider effective date;
  3. Diagnosis received outside the United States or its territories, unless otherwise specified in the policy and/or rider; or
  4. Any illness specifically excluded from the definition of cancer or carcinoma in situ.

Waiting period: If you are diagnosed with cancer within the first 30 days after the effective date of the Cancer Treatment policy, no benefits will be paid until such waiting period has expired.
If you happen to be diagnosed with cancer within the first 30 days immediately following the effective date of the lump-sum cancer rider, the benefit amount payable will be reduced to 10% of the selected benefit amount, and your coverage will be terminated.