Quick Issue Critical Illness is designed to provide funds to help you financially care for yourself and your family and maintain the same quality of life after surviving a critical illness. There are 14 covered conditions, including the Big Four (Cancer, Heart Attack, Stroke and By-Pass Surgery). There is also an optional Return of Premiums, so if you do not make a claim you can receive all premiums back at the end of the contract. And the best part of this simplified issue product is that it is simple. There is no medical exam, no doctors reports, no blood tests and no long waits for an underwriter to decide to accept or reject. If you can answer NO to the short list of questions, then you are approved.