Many retirees are very concerned about the risks of cancer and the extremely high costs associated with its treatment. Cancer plans are designed to pay large lump sum benefits directly to the policyholder so that they can pay for treatment costs not completely covered under their health insurance plan. In many states, our advisors can offer a return of premium feature which will return all the clients premium paid in if benefits are never used which eliminates the risk of “use it or lose it” premium payments.