Senior Benefits Plus Client Newsletter - July 2025

Providing direct cash benefits to Kansas City clients when they need it most!

August 01, 2025

 Cancer / Heart-Attack / Stroke Policies

Empowering Your Health and Financial Security: Focus on Cancer, Heart Attack, & Stroke Policies

Dear Valued Clients,

At Senior Benefits Plus, we are committed to helping you navigate the complexities of insurance and secure your financial well-being, especially when facing life's unexpected challenges. As your trusted local insurance experts in the greater Kansas City area, we proudly represent all the major insurance carriers to ensure you have access to the best options available.

This month, we want to bring special attention to a crucial area of protection:

Cancer, Heart Attack, and Stroke policies, brought to you by our trusted partner, Heartland National Life Insurance Company.

Why Are These Policies So Important?

While your primary health insurance (including Medicare or employer-sponsored plans) covers many medical expenses, a critical illness like can lead to significant financial burdens that go far beyond what traditional health insurance typically covers. These unexpected costs can quickly deplete savings, impact your ability to work, and create immense stress for you and your family during an already difficult time.

Heartland National Life's Cancer, Heart Attack, and Stroke policies are designed to provide a vital safety net, offering lump-sum cash benefits paid directly to you upon diagnosis of a covered illness. This means you have the flexibility to use the funds however you need them most, without restrictions.

The Benefits of a Heartland National Life Cancer, Heart Attack, & Stroke Policy:

  • Lump-Sum Cash Payout: Upon diagnosis of a covered cancer, heart attack, or stroke, you receive a direct cash payment. This isn't a reimbursement for bills; it's money in your hand to use as you see fit.

  • Covers Non-Medical Expenses: A significant portion of the costs associated with a critical illness are non-medical. Your lump sum can help with:

    • Medical co-payments and deductibles

    • Experimental treatments or out-of-network care

    • Lost income due to being unable to work

    • Travel and lodging expenses for specialized treatment

    • Care for your children or other dependents

    • Mortgage or rent payments, utilities, and groceries

    • Home modifications or adaptive equipment

  • Supplements Existing Coverage: These policies work in addition to your current health insurance, Medicare, or other supplemental plans. They fill the gaps and provide an extra layer of financial security.

  • Personalized & Flexible Plans: Heartland National Life offers personalized plans with flexible benefit amounts (up to $75,000 for the base plan) to best fit your individual needs and budget.

  • Built-in Recurrence & Restoration Benefits: Many policies include features that allow for recurrence benefits (if the illness returns) or restoration of benefits after a payout.

  • Optional Riders for Enhanced Coverage: You can often enhance your policy with riders such as:

    • Benefit Builder Rider: Can increase your base plan benefit over time.

    • Return of Premium Rider: May return premiums paid, less any claims, after a set period or upon death.

    • Critical Illness Rider: Provides additional benefits for a wider range of covered illnesses beyond cancer, heart attack, and stroke.

    • Chemotherapy and Radiation Rider: Specifically covers treatments for cancer and carcinoma in situ.

  • Peace of Mind: Knowing you have this financial protection in place allows you to focus on what truly matters – your recovery and well-being – rather than worrying about mounting bills.

Who Can Benefit?

These policies are not just for seniors! While Heartland National Life specializes in the senior market, their   are available for issue ages from 18 through 90 years old. They are especially beneficial for:

  • Individuals with high-deductible health plans: To help cover out-of-pocket costs.

  • Families: To ensure financial stability during a health crisis.

  • Anyone with a family history of cancer, heart disease, or stroke: To proactively prepare for potential health challenges.

Don't wait until it's too late to protect yourself and your loved ones from the financial impact of a critical illness.

Contact Senior Benefits Plus today for a no-obligation consultation. Our experienced agents are here to answer all your questions, help you understand the benefits, and tailor a Heartland National Life policy that provides the peace of mind you deserve.

Sincerely,

The Team at Senior Benefits Plus

Your Local Kansas City Insurance Experts

Kansas City Office: (816) 793-3880 851 NW 45th St Suite 110, Kansas City, MO 64116

Lee's Summit Office:(816) 844-3738 618 SW 3rd St. Suite B, Lee's Summit MO 64063