executives will face a critical illness before age 65.
Cancer. Stroke. Heart attack. They don't wait for retirement. The question isn't whether your coverage is adequate — it's whether you have any at all during the decade that matters most.
of personal bankruptcies in the U.S. cite medical expenses as a contributing cause.
Source: American Journal of Public Health. The majority had health insurance at the time of diagnosis — it simply wasn't enough.
Where most executives find themselves after leaving their role.
"Retired at 62. Heart attack at 63. Total out-of-pocket: $94,000. That was my first two years of retirement savings, gone."
average out-of-pocket cost for a critical illness event in the first year of treatment.
That figure doesn't include lost income, caregiving costs, or the premium increases that follow. For executives between roles, the exposure is total.
is the average gap between employer coverage ending and Medicare eligibility.
For most executives, that window opens between age 60 and 65 — the peak statistical risk years for cancer, stroke, and cardiac events.
Two minutes to know your number.
No obligation. A licensed Shield advisor will respond within one business day with a personalized estimate.
Three tiers. One decision.
Each plan pays a lump-sum benefit directly to you upon diagnosis of a covered condition. No reimbursement paperwork. No network restrictions. The money is yours.
- Cancer (all stages)
- Heart Attack
- Stroke
- Major Organ Failure
Lump-sum, tax-free benefit. Use it how you need it.
Get Estimate- All Essential conditions
- Coronary Artery Bypass
- Aortic Surgery
- Paralysis
- Severe Burns
Covers 14 critical conditions. Preferred by most clients.
Get Estimate- All Executive conditions
- Alzheimer's Disease
- MS & Parkinson's
- Loss of Independence Rider
- Waiver of Premium
Comprehensive protection for high-net-worth executives.
Get EstimateThe number no one else
would say out loud.
"I left my CFO role at 61 thinking COBRA would cover me for 18 months. What I didn't account for was a prostate cancer diagnosis at month seven. Shield paid $250,000 within 30 days of diagnosis. That money kept my retirement plan intact."
"My attorney told me I was overexposed. My financial planner said the same. They were right. I had $4M in assets and zero protection against a medical event that could liquidate a third of it. Shield was the answer no one had offered me before."
"I sold my company at 57. Three years of negotiating, and the day I signed, I realized I had no group coverage anymore. Shield covered me within the week. Two years later, I had a stroke. The lump sum meant I could recover on my own terms."
Download the Pre-Retiree
Planning Guide
A 24-page guide written for executives transitioning out of employer coverage. Covers the five decisions that determine whether a critical illness sets you back or stops you entirely.
No spam. Unsubscribe at any time. Your email is never shared.