MedGuard is a 5 year renewable term life insurance product with an acceleration of the Death Benefit for a Specified Critical Illness Event or Specified Critical Illness Surgery.  MedGuard allows an Insured to receive all or part of their Death Benefit due to a Specified Critical Illness or a Specified Critical Illness Surgery which First Occurs and is Definitively Diagnosed while the coverage is in force.  Once 100% of the Death Benefit has been paid coverage under the MedGuard terminates.

Quality coverage for periods of critical illness. Although nobody likes to think about it, the possibility of being diagnosed with a critical illness is real. Every day thousands of Americans suffer a life threatening illness such as cancer, heart attack, or stroke.

You or a family member may one day be diagnosed with a critical illness; however, You have a greater chance of surviving that illness now more than ever. Advances in healthcare have increased survival rates tremendously; but recovery times may be extensive. The bills — both medical and non-medical — can be considerable. Are You and Your family prepared to shoulder that kind of expense?

MedGuard critical illness insurance can help fill the gap between health insurance and life insurance. Health insurance provides benefits for medical treatment but doesn’t include benefits for nonmedical expenses. Life insurance pays benefits, but after death. What if You survive a critical illness? Where will You find the financial resources to cover non-medical costs during recovery?

If You are diagnosed with a covered condition, MedGuard will give you a lump-sum cash payment. Your listed benefit will be paid to you when You are diagnosed.*

You can use the cash for any purpose You deem necessary such as helping to:

Critical Illness Condition/Surgery Benefit
Life Threatening Cancer

100% of the Total Benefit Amount

Heart Attack

100% of the Total Benefit Amount


100% of the Total Benefit Amount

Kidney Failure

100% of the Total Benefit Amount

Major Organ Transplant

100% of the Total Benefit Amount

Permanent Paralysis

100% of the Total Benefit Amount

Terminal Illness

100% of the Total Benefit Amount

Aorta Graft Surgery

25% of the Total Benefit Amount

Coronary Artery Bypass Surgery

25% of the Total Benefit Amount

Heart Valve Surgery

25% of the Total Benefit Amount

Coronary Angioplasty

10% of the Total Benefit Amount

Death Benefit - Primary Insured/Spouse

Based on selected monthly premium

Death Benefit - Dependent Child

Limited up to $15,000 and will not exceed 50% of Primary Insured’s coverage or exceed Spouse’s coverage

1st through 90th day Total Benefit Amount for any Life Threatening Cancer


1st through 30th day Total Benefit Amount other than Life Threatening Cancer




Should You Buy MedGuard?

If You have financial obligations, such as a mortgage, or if you have savings you don’t want to spend on recovery, MedGuard critical illness insurance may be for You. If You are a parent responsible for providing for Your children, You should consider MedGuard. If You become ill and require a long recovery time with a loss of income, MedGuard can provide you with a monetary alternative. The benefit amount You receive can help You focus on fully recovering and not on worrying where You will find the money to pay your bills.

*The Death Benefit for the Primary Insured and the Spouse of the Primary Insured will be reduced by 50% on the respective 65th birthday of the Primary Insured and the Spouse of the Primary Insured. Additionally, coverage under MedGuard ends on the date of the Insured’s 70th birthday.

MedGuard is not available in all states please contact licensed agent for more information. Limitation, Waiting Periods and Exclusions apply.

Why Choose Us

We believe in unparalleled value and care. What do you believe in?

We are flexible, affordable and secure. Our full portfolio of plans lets you tailor coverage to YOUR needs and you can rest easy knowing that, We are an innovator in the industry with over 50 Collective years of health coverage experience.


Welcome To USHEALTH Group!

“We’re proud to have been recognized year after year with some of the most prestigious business awards, the coveted Stevie Awards. Such world-class awards demonstrate an unmistakable truth; that excellence in business doesn’t just happen…it has to be earned.”




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