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Do you want coverage for yourself, a family member or for your employees? Whether you’re just beginning the process or you know exactly what you want, we can answer your questions – and we provide quick, simple quotes that are designed for you.

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Critical Illness Insurance Frequently Asked Questions

What is Dakota Capital critical illness insurance?

Critical illness insurance provides a lump sum cash benefit if you’re diagnosed with a specified illness, such as cancer, heart attack, stroke, or 13 other illnesses. You can use this money for any purpose, including to help pay for things that health insurance may not, such as transportation costs, accommodation during treatment, or experimental treatments.

How long does critical illness coverage last?

As long as you continue to pay your premium, your coverage will remain in place. The benefit amount reduces to 50% of the original benefit amount when you turn 70.

Can the policy pay out benefits more than once if I suffer more than one critical illness?

Yes, the policy can pay out one time for each of the 16 illnesses you’re covered for.

Do I need to take a medical exam to get critical illness coverage?

Most of the time, you won’t be required to take a medical exam when you apply for critical illness coverage. However, in some cases a medical exam may be requested based on medical history. All examinations are paid for by Dakota Capital.

Can I combine my term life insurance with my critical illness insurance?

Yes, our critical illness policy offers a term life insurance rider. This means you have the option of buying up to half the benefit amount of your critical illness benefit amount in term life insurance. For example, if you had a $50,000 critical illness policy, you have the option to purchase up to $25,000 in term life insurance.