Why a Critical Illness Plan Isn’t Just for Seniors

Utah Avenue Insurance
Apr 21
2 min read

When you hear about cancer or critical illness insurance, it’s easy to assume it’s only for older adults. But the truth is, young adults and young families face these diagnoses every day—and often, they’re even less prepared.

Cancer Doesn’t Discriminate by Age

Breast cancer, lymphoma, leukemia, testicular cancer—these types frequently affect people in their 20s, 30s, and 40s. In fact, many of these cancers have high rates of diagnosis among young adults. And when you add in the risks of heart attacks, strokes, or even major organ transplants, it becomes clear: no one is completely immune.

Why This Hits Young Families Harder

Young families are often juggling:

Small children or kids in school
Rent or mortgage payments
Tight household budgets, sometimes relying on one income
Limited emergency savings
Rising costs of food, gas, school, and healthcare

This means that if a critical illness strikes, it doesn’t just affect your health—it can shake your family’s entire financial foundation.

An Affordable, Flexible Solution

At Utah Avenue Insurance, we offer the CriticalGuard plan, which pays a lump sum cash benefit if you’re diagnosed with a serious illness such as:

Cancer
Heart attack
Stroke
Advanced Alzheimer’s
End-stage kidney failure
Major organ transplant

You can use that money for:

Medical expenses your insurance doesn’t cover
A new bed or special equipment
In-home help or childcare
Replacing lost income if you can’t work

Plans are available to purchase on your own starting at age 18, with benefit options from $5,000 to $100,000. You can add your children to your plan and they can stay on there until they are 26. Some levels even have guaranteed approval with no medical questions.