What it can support
Cash benefit for a covered diagnosis such as a qualifying heart attack or stroke.
Health & recovery
Critical Illness Insurance
A covered major health event can interrupt income and family plans. Critical illness insurance can provide a lump-sum benefit for a qualifying diagnosis.
Your coverage perspective
Make room for what matters.
A covered major health event can interrupt income and family plans. Critical illness insurance can provide a lump-sum benefit for a qualifying diagnosis.
Explore this sectionSee how the conversation unfolds.
Following a covered heart attack, an employee reduces work while recuperating. A qualifying benefit could help with utilities and uncovered medical expenses. Fictional example; no benefit is assured.
Explore this sectionA conversation built around you.
Share your priorities with HQINS. Ask about availability, policy details and the next steps for your situation.
Connect with HQINSThe essentials
Make room for
what matters.
A covered major health event can interrupt income and family plans. Critical illness insurance can provide a lump-sum benefit for a qualifying diagnosis.
How to access coverage: Individual and workplace options, subject to state and plan availability.
How it can help
Flexibility to use benefits for treatment-related or household costs.
Details that matter
Selected plans include specified subsequent-event or surgical benefits.
From coverage to everyday life
See how the conversation unfolds.
Room to focus on recovery
Following a covered heart attack, an employee reduces work while recuperating. A qualifying benefit could help with utilities and uncovered medical expenses. Fictional example; no benefit is assured.
Understand what must qualify.
A diagnosis must meet the policy's specific definition. Recurrence and subsequent-event benefits have their own conditions.
Know what to ask before you apply.
Discuss your existing coverage, access route and priorities with HQINS. Ask for the applicable policy schedule and a state-specific quote. Individual and workplace options, subject to state and plan availability.
Fictional educational example. It does not represent a customer, approved claim, guaranteed payment, premium, or personalized recommendation.
What to review
Clarity before commitment.
A diagnosis must meet the policy's specific definition.
Recurrence and subsequent-event benefits have their own conditions.
Waiting periods, exclusions and available benefits vary.
Ask for the exact policy or certificate, state-specific premium and effective date before making your decision.
The planning studio
Put your own numbers in perspective.
Explore an expense scenario. The result is a discussion starter, not an estimate of what this insurance would pay.
Adjust the sliders to explore your own scenario.
Your scenario
Resources compared with modeled needs
Illustration · your assumptions
Potential expense planning gap$4,000Available resources appliedRemaining gap
Illustrated total needs$8,000
Your available resources$4,000
Formula: medical costs + monthly bills × months − available savings, with a minimum of $0. Enter your own assumptions. This does not calculate insurance benefits or premiums. Educational only; not a quote, benefit estimate, or coverage recommendation.
Discuss these prioritiesKnow before you choose
Good questions. Clearer choices.
Does it cover every serious illness?
No. Only conditions named and defined in the policy qualify.
Is this cancer insurance?
It is a different product. Compare each policy's covered conditions and benefits.
Is the benefit tied to my actual bills?
A lump-sum benefit follows the policy's qualifying event and benefit amount.
Related coverage
Continue exploring.
Product and service references: Official Aflac source 1 ↗, Official Aflac source 2 ↗. Reviewed October 12, 2026. Confirm current policy documents with an advisor.
A conversation changes things
Let’s make your
next step a clear one.
Tell us what you want to protect. HQINS can help you explore Aflac coverage, understand the details, and discuss the options available to you.
HQINSHIGH QUALITY INSURANCE SOLUTIONSYour contact cardChino Hills, California
13925 City Center Drive, Suite 267Chino Hills, CA 91709View office address on Google Maps ↗Save HQINS to your contacts