Critical Illness Insurance

This is something I have not investigated but I would also question what type of skin cancer is covered. The most common, basal cell (a result of sun exposure) is so frequent/benign once treated, that it does not even get included in reporting statistics. Squamous and of course melanoma are a different story...

Keep in mind that, in the US, metastatic disease will often qualify one for Social Security Disability Income. When approved, after a five month waiting period you receive the amount which you would get at full retirement age. By my calculation, this policy costs just under $200 a year per person. If individual underwriting is not required, where you would have to disclose medical history, genetic testing results, etc I might seriously consider it because it is estimated that around 25% of early stage BC will eventually recur.

I also wonder whether you would have to show proof of regular screenings like mammograms and colonoscopies. With the latter, malignancies can literally be nipped in the bud since the diagnosis comes with automatic treatment as the offending polyp is removed!

Well, from your history described here, I would guess that you are probably on the younger side/pre-menopausal and because everyone in Colorado is a health nut (from what I've heard!) you're not likely to be having cardiac trouble anytime soon.

I have however been acquainted with a couple of gals in their 50s who had strokes. Thankfully they both made a good recovery and went back to work although it took several months during which some extra $ might have come in handy since disability policies usually don't replace your full salary...

You would want to get a written description of the plan parameters which means tomorrow's phone call may not provide that level of detail unless they can fax it to you. Signing up now and getting additional info later is perhaps your best option. Maybe another person who has this type of coverage will respond at some point.