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Comprehensive Critical Illness Insurance by Sargent Insurance Agency

Protecting Employees in Arkansas from Financial Hardships
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Many years in business

100% customer satisfaction

6 Knowledgeable advisors

Multiple coverage options to choose from

Critical Illness Insurance Provided By Our Agency

Many employees are enrolled in high-deductible health plans today, leaving them vulnerable to substantial out-of-pocket expenses. Our Critical Illness Protection Plan provides a crucial safety net for you and your employees, alleviating the financial and emotional stress associated with severe illnesses.
Retention & Recruitment
Commitment towards employees
Employee assistance
Modifications to office

Retention & recruitment coverage

Risk Factors

Most people want to work at organizations where they feel valued when they knock a project out of the park or meet a tight deadline. But they also want to know their company cares about them on a personal level. If they don’t feel valued, they might start losing interest.


Since many organizations don’t offer vision benefits as part of their healthcare package, providing them at your company can give you a leg up in recruiting and retention efforts. Prospective and current team members will see you’re willing to go the extra mile for them, giving you a better sales pitch for promising new talent and potentially making valuable employees more likely to stick around for the long haul.

Commitment towards employees coverage

Risk Factors

With a vast array of voluntary benefits on the market and a number of companies willing and eager to sell them, people are understandably worried about making the right choice.


Employees know that their employer has vetted the carrier and considered the available benefits with their plans being offered at the workplace. Voluntary insurance also pays financial benefits regardless of any other insurance coverage employees have in place, including policies available through government health care exchanges.

Employee assistance coverage

Risk Factors

Every person has a bad or an emotional phase because of various reasons. There might be instances where someone from their family needs medical help or care.


You should assist employees and their families in dealing with critical illness's physical, emotional, and financial impact, showing other employees how much you care during their time of need.

Modifications to office coverage

Risk Factors

You may need to make a wheelchair ramp at your office because of someone's medical condition or disability.


Critical illness covers nursing care costs, adapting the home to accommodate a new disability or other essential needs.

Personal Possessions Coverage

Risk Factors

You mastered the basics of surfing during lessons in Hawaii but your wedding ring is stolen.


With personal possessions coverage, lost jewellery is covered up to your policy limits.

What is Critical Illness Insurance?

Critical Illness Insurance offers a lump-sum financial benefit to employees diagnosed with specific severe illnesses. These illnesses are often debilitating and can prevent individuals from working, creating significant financial strain on them and their families. This insurance is designed to help cover essential costs such as mortgage payments, experimental treatments, and unexpected medical expenses.

Critical Illness Insurance complements health insurance rather than replacing it. While health insurance covers medical bills, critical illness insurance directly supports employees during their most challenging times.

Coverage of Critical Illness Insurance

Group critical illness insurance typically covers a wide array of severe illnesses, including but not limited to:

  • Invasive cancer
  • Non-invasive cancer
  • Heart attack
  • Coronary artery bypass surgery
  • Angioplasty
  • Stroke
  • Kidney (renal) failure
  • Major organ transplant
  • Paralysis
  • Coma
    And more

Benefits of Critical Illness Insurance

Many employees prefer to obtain critical illness insurance through their employers, who often offer it as a voluntary benefit. Employers recognize the concerns over high out-of-pocket expenses associated with high-deductible plans, making critical illness insurance a valuable addition. Employees generally bear the cost of these plans, making it cost-effective for both employers and employees.

This insurance can be utilized for various purposes, including:

  • Access to critical medical services not covered by traditional insurance
  • Funding treatments excluded from standard policies
  • Covering daily living expenses, allowing focus on recovery instead of financial stress
  • Paying for transportation to treatment centers, vehicle modifications, and home adjustments
  • Funding a restful vacation for recovery

Critical illness insurance can significantly reduce financial worries when an individual is too ill to work.

Cost Factors of Critical Illness Insurance

When determining the cost of Critical Illness Insurance, insurers consider the following factors:

  • Dates of birth: Insurance costs increase with age due to higher susceptibility to illness.
  • Gender of employees: Different illnesses affect men and women differently, influencing pricing.
  • Occupations: Riskier jobs, such as manual labor, attract higher premiums.
  • Salaries: Payouts are often calculated as a multiple of employees’ salaries, requiring salary information.
  • Work status: Those on long-term sick leave at the time of the quote may face higher premiums or exclusion from coverage.

A group critical illness insurance policy is a valuable benefit for your employees in Arkansas. Sargent Insurance Agency can assist you in exploring various options and selecting the most suitable plan for your team.

For more information on how Sargent Insurance Agency can help protect your employees in Arkansas, contact us today.

Already have Critical Illness Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Sargent Insurance Agency

Also providing service throughout Camden, Helena – W. Helena, Maumelle, North Little Rock, and Pine Bluff areas. – Licensed in Alabama, Arkansas, Mississippi, Tennessee and Texas.
7107 West 12th St. Suite 103 Little Rock, AR 72204
1120 Washington St Camden, AR 71701
2600 West 28th Pine Bluff, AR 71603
421 Perry St Helena AR 72342
Monday ---------  9:00am - 5.00pm
Tuesday ---------  9:00am - 5.00pm
Wednesday ----  9:00am - 5.00pm
Thursday -------- 9:00am - 5.00pm
Friday ------------- 9:00am - 5.00pm
Saturday --------  closed
Sunday ----------- closed
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