Have you ever heard of a vanishing deductible?

The company American Community will waive your deductible in the event of an accident.

Wouldn't a check be better than a get well card? 

Almost everyone knows someone who has experienced a critical illness of some kind and survived physically.  Lifestyle Protector is designed to help people through the financial challenges associated with survival.  Living Benefits are paid directly to you.  You choose how to spend the benefit at a time when you and your family may need extra cash the most.