SELF-EMPLOYED PROTECTION
One diagnosis shouldn't take everything you've built.
If you're self-employed with no critical illness safety net, you're one diagnosis away from medical debt that takes years to dig out of. We help 1099s and small business owners get up to $75,000 in their bank account, fast, when they need it most. Free 15-minute consultation. No pressure. No obligation.
No medical exam required for most applicants.
The Reality of Risk
🏥
1 in 2 men.
1 in 3 women.
Will be diagnosed with cancer in their lifetime.
Source: American Cancer Society
💸
66%
Of US bankruptcies are tied to a medical event.
Source: American Journal of Public Health
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Only 18%
Of US workers have any critical illness coverage.
Source: LIMRA
If you're self-employed, you already know the truth.
No employer plan. No safety net. No HR department to walk you through what happens next.
If a critical illness hits, the bills don't stop. The mortgage doesn't pause. The kids still need to eat. And your major medical insurance, if you even have it, only covers a fraction of what a serious diagnosis actually costs.
The average cancer treatment runs $150,000 in out-of-pocket costs over the first two years. Heart attack and stroke survivors lose an average of 20 weeks of income. Most self-employed people we talk to assume they have time to figure this out later.
They don't.
THE COVERAGE GAP
Critical illness insurance is the gap most don't know exists.
A completely separate policy.
It's not life insurance. It's not disability. It's not health insurance.
It's a separate policy that pays you a tax-free lump-sum check, fast, when you're diagnosed with one of 11 covered critical conditions including cancer, heart attack, stroke, kidney failure, and major organ transplant. The check goes to you, not the hospital.
Total control over your recovery.
You decide how to use it. Pay the mortgage. Replace lost income. Get a second opinion in another city. Cover what your major medical didn't. Keep your family stable while you focus on getting well.
Three reasons most self-employed adults wait too long.
They assume their major medical is enough.
It isn't. Even good plans leave 30-50% of total costs to you.
They wait until something happens.
By then it's too late. You can't buy critical illness coverage after a diagnosis.
Most plans for healthy 40-year-olds run $30-$60/month. Less than your phone bill.
HOW IT WORKS
The path from this page to protected.
Free 15-minute consultation.
We talk through your situation, your budget, and what coverage actually fits. No pitch. No pressure. If it's not the right move for you, we'll tell you.
Instant-decision underwriting.
Most healthy adults under 70 qualify for simplified underwriting up to $75,000 with a decision in days, not weeks. No medical exam for most applicants.
Coverage in force.
Policy issued, premiums set, you're protected. Most clients are covered within 7-14 days of our first call.
Stop assuming you have time.
A critical illness doesn't wait for you to be ready. Secure your financial safety net before you need it.
MEET THE FOUNDER
You're not buying from a 1-800 number.
I'm Liam O'Brien, founder of PCFG Insurance Services. We've been helping individuals and small business owners across 15 states protect what they've built.
I work with A-rated national carriers, which means you get policies backed by companies with 100+ years of paying claims. Not fly-by-night startups.
When you book a consultation, you talk to a licensed producer on our team. Not a call center. Not an offshore script-reader.
LIAM O'BRIEN
Founder, PCFG Insurance Services
Is this the same as my health insurance?
No. Health insurance pays providers for medical care. Critical illness insurance pays you a lump sum to use however you need.
Is this the same as life insurance?
No. Life insurance pays your family after you die. Critical illness pays you while you're alive and recovering.
How much does it cost?
Premiums vary based on age, health, and coverage amount. For most healthy adults under 60, plans start around $25-$60/month. We'll talk specifics on your call.
How fast can I get covered?
Most applicants get an instant decision and are fully covered within 7-14 days.
Do I need a medical exam?
Most policies up to $75,000 use simplified underwriting with no exam required. You answer health questions, and you get a decision in days.
What if I already had a health scare?
We work with what you have. Some past conditions disqualify you, others don't. Worth a 15-minute call to find out where you stand.
Why a 15-minute call instead of an online quote?
Because every situation is different, and the cheapest policy isn't always the right one. The call protects you from buying something that doesn't actually cover what you need.
STILL UNSURE?
Clear answers to your questions.
We know coverage can feel complicated. That's why we don't hide behind chatbots or generic online quotes. Talk to a real, licensed advisor who can look at your specific situation and give you straight answers.
SECURE YOUR PROTECTION
Stop Assuming You Have Time To Figure This Out Later.
A 15-minute call could be the difference between facing a diagnosis from a position of strength or from a position of panic. Pick a time that works for you. We'll talk through your situation.
No obligation, no pressure.
PCFG Insurance Services
P.O. Box 609, Parish NY 13131
Licensed in AL, AZ, FL, GA, IN, MD, ME, NC, NJ, NY, OH, PA, TN, TX, VA
This is a solicitation for insurance. An insurance producer may contact you.
Not all applicants will qualify for coverage. Coverage subject to underwriting approval and policy terms.
Critical illness insurance is not a substitute for major medical insurance.
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