About Us
We are a group of fully licensed insurance professionals. Most of our representatives hold the Certified Financial Planner and the Chartered Life Underwriter certifications. We understand insurance and know how to get you the perfect insurance. We cater to a wide variety of needs.

Why Us?
Why you should say Yes to working with CriticalInsurance.com

1) Did you know that 1 out of every 3 life insurance applications is either rated or declined? Yes/ No

2) Do you know the same number of disability applications is denied immediately? Yes/ No

3) Do you think an insurance company can help you get standard rates, even if you are rated up to 50% or more? Yes/ No

4) Have you heard about the MIB? Yes/No

Its not the men in black it is the Medical Insurance Bureau, When you apply for a Life Insurance Policy, you sign something allowing the Insurance Company to check your Medical Information from various sources.  What if the information is wrong? How do you know if the file about your health condition is accurate? Wrong information can forever affect your insurance approval!!!

5) Did you know that we can get you pre-approved before even applying for the insurance? Yes/No

6) Did you know if you have no health problems, we can get discounts from insurance companies? Yes/No

7) Have you heard of getting non-smoker rates even if you smoke? Yes/No

8) Did you know if you don’t qualify for standards insurance rates, due to you health issues, we will strive to get your rates discounted up to 50%?  Yes/No

By doing these steps you are guaranteed to get the perfect insurance for you.

Before an application is even done we use these steps to get you the lowest rates and the highest coverage for you! Step 1 – Determine your Insurance needs (see what you acutely need and want) Yes!
Step 2 – Complete the pre-underwriting. (See what you can get) Yes!
Step 3 – Present the options available from different Insurance Companies (Let the insurance companies compete for your business) Yes!
Step 4-- Review your Critical Insurance Plan and how it will meet your needs. (See what fits your needs and budget) Yes!
Step 5 –Fill out the medical application Questionnaire. (Make sure there are no hidden surprises Yes!
Step 6- Get the medical done through a clinic or a private nurse Yes!
Step 7—Collect the information from your Doctor Yes!
Step 8 – Approve application and deliver (You get the perfect insurance for you) Yes!

““My girlfriend had an experience where she collected $250,000 when she had a heart attack at the age of 52. And I saw first hand how costs pile up (especially specialized medications) the money allowed her to focus on recovery, which took about a year. She was under no pressure to get back to work and this is the reason why I decided to get my own CI insurance.””

Rick B.
Self Employed

“I wanted to protect myself in case of a critical illness. I hear people coming into store and saying how tough things can be when there is no money coming in. I see many cancer survivors and this prompted me to get the insurance.”

Geogina G.
Small Business Owner of a Wig Store.

“I heard about it and thought it was a good idea to protect myself and my family. I found criticalinsurance.com very well informed. I took it so that if was unable to work or something bad happened I will have some money coming in.”

Dawn P.
Single Mom.