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Insured by Loyal American Life Insurance Company

Lump Sum Heart Attack and Stroke Insurance

If you suffer a heart attack or stroke, this insurance provides a cash benefit that you can use in any way you choose. Available for around $19/month.1

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Lump Sum Heart Attack and Stroke Insurance Product Details

Whether you suffer a covered heart attack or stroke, or receive a covered procedure for a heart condition, our Lump Sum Heart Attack and Stroke Insurance Policy helps to provide the support you need to get back on your feet. How can a Heart Attack and Stroke Insurance policy help you?

  • For an affordable monthly premium, you select a base policy with a maximum benefit amount* of $5,000 to $75,000.2
  • We pay directly to you, or someone you designate, regardless of other insurance you may have.
  • Use the cash however you’d like, including to help pay:
    • Deductibles, coinsurance, copays
    • Prescription drugs
    • Extended hospital stays
    • Rehabilitation
    • Unexpected expenses like travel
    • Household expenses like rent or mortgage, groceries, childcare, housekeeper, etc.3
  • Can include coverage for you and your dependents.*
  • Base policy covers heart attack, stroke, heart transplant, angioplasty, coronary artery bypass surgery, and other heart-related procedures listed in your policy.
  • Your policy is Guaranteed Renewable for Life.4
  • Policies are available to ages 18-99.*

*Benefit amounts, issue ages, and rates vary by state; please contact your broker or Cigna HealthcareSM representative for details.

Customize your Lump Sum Heart Attack and Stroke Insurance policy

We can also help you customize your Lump Sum Heart Attack and Stroke Insurance coverage to fit your needs. Riders offer coverage for specific situations and can be added for an additional monthly amount.5 Consider adding one or more of the following riders for even more coverage (these summaries contain highlights only and are subject to change):

Accident Fixed Indemnity Rider

This rider pays a fixed indemnity benefit when you suffer covered injuries in a covered accident.

This rider also includes benefits for accidental death and dismemberment. Issue ages from 18-74 and guarantee renewable until age 80*. Please consult your outline of coverage for a full list of benefits and benefit amounts.

*Policy cannot be canceled as long as you pay your premium when due. Subject to the company’s right to raise premiums on a class basis.

Lump Sum Cancer Benefit Builder Rider

This rider can be added to the Lump Sum Heart Attack and Stroke policy to gradually increase your benefit amount over time. Each year, on the rider anniversary date, we will increase the policy benefit amount by the amount you select, $500 or $1,000*, while the rider remains in force. This annual benefit amount will continue to build each year until the 35th rider anniversary date.

Heart Attack and Stroke Restoration Benefit Rider

A heart attack, stroke or other heart-related surgery can be costly. With our Heart Attack and Stroke Restoration Benefit Rider, you get a percentage of your chosen benefit amount – from $5,000 to $50,000 – should you receive a diagnosis of a covered heart attack or stroke or if you have a qualifying procedure, subject to the maximum benefit amount.2 Benefits will also be paid if you are diagnosed with subsequent covered heart attacks, strokes or require a heart transplant, provided the date of your last diagnosis for a heart attack, stroke or heart transplant was at least two years from your current diagnosis.

Specified Disease Benefit Rider

The Specified Disease Rider pays a lump sum benefit if you get a diagnosis* or procedure from a physician for one of the covered specified diseases.

*Diagnosis must be made within the United States.

Charlotte's story

When Charlotte had a heart attack, she was grateful that the doctors were able to stabilize her condition. But she learned that there was permanent damage to her heart. Charlotte began to see her expenses adding up quickly. Even with health insurance, things such as medical deductibles, co-insurance and payments for her doctor’s visits were her responsibility.

Luckily, Charlotte had purchased a Lump Sum Heart Attack and Stroke Policy for less than $1 per day.1 She received a cash benefit as a result of her heart attack. This support let Charlotte focus more on her recovery and less on how she was going to pay her bills.

(This is an example used for illustrative purposes only.)

State Specific Details

Learn more about the benefits included in the Lump Sum Heart Attack and Stroke Insurance policy by selecting the state where you live:

Alabama Alaska Arizona Arkansas California Colorado Connecticut D.C. Delaware Florida Georgia Hawaii Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachsetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Wisconsin Wyoming View Brochure [PDF]

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State Policy Disclosures, Exclusions, Limitations, and Reductions

1Rates are illustrative only. Please do not submit money. You must first obtain an application to obtain any coverage. Premium based on the individual rate for a 40 year old in Alabama with a $20,000 benefit amount. Individual rates will vary based on your state, age at time of issue, coverage type and the benefit amount you select. Rates are subject to change. In South Carolina and Washington, the minimum benefit amount is $25,000.

2Minimum and maximum benefit amounts may vary by state and all benefits payable are subject to the terms and conditions of the policy.

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

4Policy cannot be canceled as long as you pay your premium when due. The company reserves the right to increase premiums on a class basis.

5There will be a charge for each rider selected. Riders are not available in all states.


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.

This is a solicitation for insurance. An insurance agent/producer may contact you. Product availability varies by state. These policies contain exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For cost and complete details of coverage, contact your insurance agent/producer or the company. Lump Sum Cancer, Lump Sum Heart Attack and Stroke and Individual Whole Life Insurance Policies are insured by Loyal American Life Insurance Company.

Lump Sum Heart Attack and Stroke policy is not available in: ID, MA, NY, or VA.

Lump Sum Cancer policy is not available in: ID, NY, VA or WY.

Cancer Treatment policy is not available in: ID, MA, MN, NH, NJ, NY, UT, or WY.

Hospital Indemnity policy is not available in: CA, CT, ID, NH, or NY.

Whole Life policy is not available in: FL or NY.

Accident Treatment policy is not available in: ID, NH, NY, or VA.

All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group Corporation, including Loyal American Life Insurance Company. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.

This page is not intended for residents of Idaho, New Mexico, and Oregon.

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