Since 1988, Crossgrove & Company has been providing the best advice and solutions for our clients in order to build strong, long term relationships and trust. We are a full service shop – offering advice and plans for individual risk management, group benefits & retirement, and investing tailored to the needs of clients seeking to build, preserve, and transfer wealth.
We bring you straight to the source! Because we've partnered with our carriers, we receive faster contract approvals by ordering our own medicals, we have dedicated case coordinators for our clients with whom we have direct contact, and we have 24/7 up to date information access for all underwriting.
We're a one stop shop - advisor and MGA all in one!
Critical Illness Insurance is coverage that aims to reduce stress and the financial burden that may arise upon a diagnosis of a critical illness (listed below). Child care expenses may increase, loss of income resulting in difficulty making required life payments, in-home help or costly home or vehicle modifications may be necessary, encroaching on capital with future objectives (ex. Retirement), out-of-pocket travel expenses may be incurred in order to receive treatment, some medical expenses may not be covered by government or private health plans. Critical illness insurance gives a lump sum for a diagnosis of the critical illnesses. The policy ends when the benefit is paid, and the benefit will pay out on the condition you survive your diagnosis for 30 days.
What's most critical about critical illness insurance is quality of coverage. With over 30 years of knowledge and exprience, we will ensure that you get the most robust contract to ensure that your needs are met. Let us walk you through the process and act on your behalf when it comes to your coverage needs, your application, the underwriting process, changes, inquiries, and filing a claim.
Critical Illnesses can include but are not limited to: Acquired brain injury, Aortic surgery, Aplastic anemia, Bacterial meningitis, Benign brain tumour, Blindness, Cancer, Coma, Coronary artery bypass surgery, Deafness, Dementia, including Alzheimer's diseaseHeart attack, Heart valve replacement or repair, Kidney failure, Loss of independent existence (LOIE)*, Loss of limbs, Loss of speech, Major organ failure on waiting list, Major organ transplant, Motor neuron disease, Multiple sclerosis, Occupational HIV infection, Paralysis, Parkinson's disease and specified atypical parkinsonian disorders, Severe burns, Stroke
With over 30 years of knowledge and experience, we will customize a plan based on the amount of resources you and your family needs
We will go through the application process with you from start to finish, submit to the appropriate carrier, and engage the proper underwriting to get you approved
We will field and follow through on any of your inquiries, changes, or claims on your behalf, ensuring that you receive prompt, reliable service - every time
"Endorsement – “The Crossgrove team is action and results oriented. I value their knowledge and professionalism. They have listened to and identified our needs for 10 years.”-Victor Racine, President, Change Integration Systems
"Endorsement – “I received prompt, courteous, personal and knowledgeable service from Crossgrove & Company. Additionally, dealing with them saved me valuable time. No need to ‘shop’ when working with these professionals.”- Frank Van Gool, Senior Consultant, Intersol