— Emily R., Member
Protector+ Critical Illness Insurance
Extra protection when serious illness strikes.
A life-changing diagnosis shouldn’t become a financial crisis. With American Collective LP’s Protector+ Critical Illness coverage, members receive lump-sum benefits for conditions like cancer, heart attack, stroke, and major organ transplants. Designed as a supplement to Unity or Prestige health plans, this affordable coverage helps individuals and families focus on recovery—not bills.
Protection Beyond Standard Health Insurance
Because even the best health coverage can leave financial gaps.
Critical illnesses often come with unexpected costs that regular insurance may not fully cover—lost income, travel for treatment, or everyday household expenses. Protector+ fills that gap by offering direct cash benefits at the time of diagnosis. With affordable premiums and broad eligibility for individuals, spouses, and dependent children, it’s a smart way to build greater peace of mind.
What’s Included in Protector+ Critical Illness Coverage
Coverage for Major Illnesses
Provides benefits for invasive cancer, cancer in situ, heart attack, stroke, major organ transplant, end-stage renal failure, and more.
Lump-Sum Payouts
Members receive cash benefits upon diagnosis that can be used however needed—medical costs, recovery expenses, or household bills.
Family Protection
Participants are covered at 100% of the principal sum, spouses at 50%, and dependent children at 25%.
Affordable & Flexible
Coverage is easy to add to an existing Unity or Prestige plan, with simple enrollment and a 90-day waiting period for benefits.
What Members Say About Protector+ Critical Illness Coverage
Trusted support during life’s most difficult moments.