🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 120 (from laksa053)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa120.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.afspa.org/blog/critical-illness-insurance-can-help-your-financial-future/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.afspa.org/blog/critical-illness-insurance-can-help-your-financial-future/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.afspa.org\/blog\/critical-illness-insurance-can-help-your-financial-future\/","crawl_time":1759914766,"first_indexed_time":1636026906,"http_code":200,"src_unparsed":"org,afspa!www,\/blog\/critical-illness-insurance-can-help-your-financial-future\/ s443","src_root_hash":"4636099076434171320","history_drop_reason":null,"meta_title":"Critical Illness Insurance Can Help Your Financial Future – AFSPA","meta_descriptions":[],"attrs_boilerpipe_text":"It’s not luck….it’s preparation  A line often quoted from the movie Titanic states that “a real man makes his own luck.” Well, be it man or woman, we all know that while we can’t possibly anticipate all of life’s surprises, we can take steps to mitigate their effects.  A serious illness can really impact your financial future. It’s shocking to learn that 63% of Americans have used up most or all of their savings to pay for medical bills.[1]  In addition, many may significantly cut back on necessary living expenses such as purchasing groceries, in order to pay medical bills.   But as a member of the American Foreign Service Protective Association ( AFSPA ) you can take an important step toward helping protect your financial wellness if diagnosed with a critical condition.*   AFSPA’s new Critical Illness (CI) Insurance,**launching July 1, 2021 and issued by  The Prudential Insurance Company of America  ( Prudential ), makes it easier to cover out-of-pocket medical and non-medical expenses, so you’ll have less financial stress while recovering.   With a lump sum payment to use however needed, Critical Illness Insurance can fill the financial gaps or income shortfalls for personal expenses such as mortgage, rent, utility and car payments, and child-care costs.  Critical Illness Insurance can also supplement insurance provided by the  Foreign Service Benefit Plan  ( FSBP ), long-term care insurance, disability insurance, or other medical insurance.  As a member of AFSPA you have access to exclusive benefits that are vetted specifically for you and offered at competitive rates.  LEARN MORE  or download the  AFSPA Talks  podcast episode on June 28th when we’ll be discussing Critical Illness Insurance.  *Critical Illness Insurance covers specified critical illnesses. Check your plan brochure for details. ** This product is not available in all states. This coverage is not available in the following states and U.S territories: AK, KS, LA, ME, MN, MT, NH, OR, UT, WV, GU, and PR 1 Kaiser Family Foundation\/New York Times survey, January 5, 2016. Critical Illness Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. 1048995-00001-00","attrs_markdown":"[Skip to content](https:\/\/www.afspa.org\/blog\/critical-illness-insurance-can-help-your-financial-future\/#content)\n\n- [Are you a Federal employee or retiree looking for unique health benefits with comprehensive coverage? Explore our plans.](https:\/\/www.afspa.org\/about-us\/#ourservices)\n\n- [Send us a message](mailto:afspa@afspa.org)\n\n[![](https:\/\/www.afspa.org\/wp-content\/uploads\/2021\/02\/cropped-AFSPA_Logo_website-01-300x122.jpg)](https:\/\/www.afspa.org\/)\n\n### Call us for any questions\n(202) 833-4910\n\n[Log In](https:\/\/afspamembers.afspa.org\/)\n\n- [Plans]()\n  ##### Foreign Service Benefit Plan\n  [Health Insurance](https:\/\/www.afspa.org\/fsbp\/)\n  \n  [New for 2025](https:\/\/www.afspa.org\/fsbp\/new-for-2025\/)\n  \n  [New Member](https:\/\/www.afspa.org\/fsbp\/foreign-service-benefit-plan-new-member\/)\n  \n  [Online Portals](https:\/\/www.afspa.org\/online-member-portals\/)\n  \n  [Find a Provider](https:\/\/www.aetna.com\/dsepublic\/#\/contentPage?page=providerSearchLanding&site_id=fsbp)\n  \n  [Submit a Claim](https:\/\/www.afspa.org\/fsbp\/claims\/)\n  \n  [Overseas Care](https:\/\/www.afspa.org\/fsbp\/overseas\/)\n  \n  [Overseas Partners](https:\/\/www.afspa.org\/fsbp\/overseas\/overseas-partners\/)\n  \n  [Prescription Benefits](https:\/\/www.afspa.org\/prescriptions\/)\n  \n  [Wellness Programs](https:\/\/www.afspa.org\/fsbp\/wellness-programs\/)\n  \n  [FSBP and Medicare](https:\/\/www.afspa.org\/fsbp-and-medicare\/)\n  \n  [Forms and Brochures](https:\/\/www.afspa.org\/fsbp-forms-library\/)\n  \n  ##### Ancillary Insurance Programs\n  [Dental](https:\/\/www.afspa.org\/aip\/dental\/)\n  \n  [Life and AD\\&D New Plan Added for Seniors\\!](https:\/\/www.afspa.org\/aip\/life\/)\n  \n  [Critical Illness](https:\/\/www.afspa.org\/aip\/critical-illness\/)\n  \n  [Travel](https:\/\/www.afspa.org\/aip\/travel\/)\n  \n  [Members of Household](https:\/\/www.afspa.org\/aip\/members-of-household-insurance\/)\n  \n  [Discount Care Programs](https:\/\/www.afspa.org\/aip\/discount-care-programs\/)\n- [Professional Services](https:\/\/www.afspa.org\/aip\/professionalservices\/)\n  ##### Expert help when you need it\n  [Legal Services](https:\/\/www.afspa.org\/professionalservices\/#Legal_Services)\n  \n  [Tax Consulting](https:\/\/www.afspa.org\/professionalservices\/#Tax_Consulting)\n  \n  [Long Term Care Planning](https:\/\/www.afspa.org\/professionalservices\/#Long_Term)\n  \n  [Financial Wellness](https:\/\/www.afspa.org\/professionalservices\/#Financial_Wellness)\n  \n  [Retirement Planning](https:\/\/www.afspa.org\/professionalservices\/#Retirement_Planning)\n  \n  ![](https:\/\/www.afspa.org\/wp-content\/uploads\/2021\/08\/Lifes-Retirement-Derailers-300x200-1.jpeg)\n  \n  Explore how well you’re spending, planning and protecting your money and assets, and get tips to do better. [See where you stand](https:\/\/www.prudential.com\/financial-wellness\/D132D8F7EE35BED26A3C33A5D233588F2D2670D7AEE2BE4FF081FC27437D3C3A).\n- [Member Resources]()\n  ##### Online Portals\n  [AFSPA Member Portal](https:\/\/afspamembers.afspa.org\/auth\/login)\n  \n  [Aetna Secure Member Website](http:\/\/www.aetnanavigator.com\/)\n  \n  [Express Scripts Online](http:\/\/www.express-scripts.com\/consumer\/site\/home?partner=FSBP&accessLink=FSBPDCC)\n  ##### Health and Wellness\n  [COVID-19 Updates](https:\/\/www.afspa.org\/covid\/)\n  \n  [Wellness Resources](https:\/\/www.afspa.org\/wellness-resources\/)\n  \n  ![](https:\/\/www.afspa.org\/wp-content\/uploads\/2021\/08\/I-love-working-from-home-1182641010_726x484-1-300x200-1.jpeg)\n  \n  ##### Is your information up-to-date?\n  Please take a few minutes to ensure your contact information in our system is updated. [Check now](https:\/\/afspamembers.afspa.org\/).\n- [Stay Connected]()\n  ##### Stay Connected\\!\n  [News](https:\/\/www.afspa.org\/news\/)\n  \n  [Newsletters](https:\/\/www.afspa.org\/afspa-in-action-newsletters\/)\n  \n  [Blogs](https:\/\/www.afspa.org\/blogs\/)\n  \n  [Podcast](https:\/\/www.afspa.org\/podcast\/)\n  \n  [CEO Messages](https:\/\/www.afspa.org\/from-the-ceo\/)\n  \n  [State of Emergency Alerts](https:\/\/www.afspa.org\/fsbp\/prescriptions\/state-of-emergencies\/)\n  \n  ![Business woman using headphones](https:\/\/www.afspa.org\/wp-content\/uploads\/2021\/09\/middle-age-business-woman-in-headphones-using-lapt-2022-04-11-15-05-35-utc.jpg)\n  \n  ##### Recent Blog Posts\n  - [Lowering Cholesterol Through Smart, Balanced Eating](https:\/\/www.afspa.org\/blog\/lowering-cholesterol-through-smart-balanced-eating\/)\n  - [Pain Awareness Month: Overcoming Pain](https:\/\/www.afspa.org\/blog\/pain-awareness-month-overcoming-pain\/)\n- [Events](http:\/\/afspa.org\/events\/)\n  ##### Register for an event\n  [Our free webinars connect you to helpful experts and the information you need to maximize your benefits.](https:\/\/www.afspa.org\/events)\n  \n  ![](https:\/\/www.afspa.org\/wp-content\/uploads\/2021\/09\/couple-using-tablet-computer-2022-01-17-17-04-43-2-300x197.jpg)\n  \n  ##### Upcoming events and webinars\n  Oct   14\n  \n  Featured\n  \n  8:00 am - 9:00 am  EDT\n  ### [Fundamentals of Wills, Trusts, and Powers of Attorney](https:\/\/www.afspa.org\/events\/fundamentals-of-wills-trusts-and-powers-of-attorney\/2025-10-14\/1\/ \"Fundamentals of Wills, Trusts, and Powers of Attorney\")\n  \n  [ZOOM](https:\/\/www.afspa.org\/venue\/zoom\/)\n  \n  Oct   14\n  \n  Featured\n  \n  1:00 pm - 2:00 pm  EDT\n  ### [Fundamentals of Wills, Trusts, and Powers of Attorney](https:\/\/www.afspa.org\/events\/fundamentals-of-wills-trusts-and-powers-of-attorney\/2025-10-14\/2\/ \"Fundamentals of Wills, Trusts, and Powers of Attorney\")\n  \n  [ZOOM](https:\/\/www.afspa.org\/venue\/zoom\/)\n  \n  Oct   14\n  \n  Featured\n  \n  6:00 pm - 7:00 pm  EDT\n  ### [Fundamentals of Wills, Trusts, and Powers of Attorney](https:\/\/www.afspa.org\/events\/fundamentals-of-wills-trusts-and-powers-of-attorney\/2025-10-14\/3\/ \"Fundamentals of Wills, Trusts, and Powers of Attorney\")\n  \n  [ZOOM](https:\/\/www.afspa.org\/venue\/zoom\/)\n  \n  [View Calendar](https:\/\/www.afspa.org\/events\/ \"View more events.\")\n- [Eligibility](https:\/\/www.afspa.org\/eligibility\/)\n  ##### Exclusive membership\n  AFSPA offers a comprehensive list of exclusive insurance plans and services to *eligible* federal employees. [Find out if you are eligible](https:\/\/www.afspa.org\/eligibility\/).\n  \n  ![](https:\/\/www.afspa.org\/wp-content\/uploads\/2021\/09\/group-of-employees-300x200-1.jpg)\n- [About us](https:\/\/www.afspa.org\/about-us\/)\n- [Contact Us](https:\/\/www.afspa.org\/contact-us\/)\n\n[![cropped-AFSPA\\_Logo\\_website-01.jpg](https:\/\/www.afspa.org\/wp-content\/uploads\/2021\/02\/cropped-AFSPA_Logo_website-01-e1629937890699.jpg)](https:\/\/www.afspa.org\/)\n\nX\n\n## Critical Illness Insurance Can Help Your Financial Future\n- [Home](https:\/\/www.afspa.org\/)\n- Critical Illness Insurance Can Help Your Financial Future\n\n## Critical Illness Insurance Can Help Your Financial Future\n![Woman with illness being pushed in a wheelchair](https:\/\/www.afspa.org\/wp-content\/uploads\/2021\/07\/cancer.jpeg)\n\n- [June 23, 2021](https:\/\/www.afspa.org\/2021\/06\/23\/)\n\n### **It’s not luck….it’s preparation**\nA line often quoted from the movie Titanic states that “a real man makes his own luck.” Well, be it man or woman, we all know that while we can’t possibly anticipate all of life’s surprises, we can take steps to mitigate their effects.\n\nA serious illness can really impact your financial future. It’s shocking to learn that 63% of Americans have used up most or all of their savings to pay for medical bills.\\[1\\] In addition, many may significantly cut back on necessary living expenses such as purchasing groceries, in order to pay medical bills.\n\nBut as a member of the American Foreign Service Protective Association (**AFSPA**) you can take an important step toward helping protect your financial wellness if diagnosed with a critical condition.\\*\n\nAFSPA’s new Critical Illness (CI) Insurance,\\*\\*launching July 1, 2021 and issued by **The Prudential Insurance Company of America** (**Prudential**), makes it easier to cover out-of-pocket medical and non-medical expenses, so you’ll have less financial stress while recovering.\n\nWith a lump sum payment to use however needed, Critical Illness Insurance can fill the financial gaps or income shortfalls for personal expenses such as mortgage, rent, utility and car payments, and child-care costs.\n\nCritical Illness Insurance can also supplement insurance provided by the **Foreign Service Benefit Plan** (**FSBP**), long-term care insurance, disability insurance, or other medical insurance.\n\nAs a member of AFSPA you have access to exclusive benefits that are vetted specifically for you and offered at competitive rates. [**LEARN MORE**](http:\/\/afspa.org\/aip_detail.cfm?page=Critical-Illness) or download the [*AFSPA Talks*](https:\/\/afspatalks.buzzsprout.com\/) podcast episode on June 28th when we’ll be discussing Critical Illness Insurance.\n***\n\\*Critical Illness Insurance covers specified critical illnesses. Check your plan brochure for details.\n\n\\*\\* This product is not available in all states. This coverage is not available in the following states and U.S territories: AK, KS, LA, ME, MN, MT, NH, OR, UT, WV, GU, and PR\n\n1 Kaiser Family Foundation\/New York Times survey, January 5, 2016.\n\nCritical Illness Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ.\n\n1048995-00001-00\n\n- Tags:   [critical illness](https:\/\/www.afspa.org\/tag\/critical-illness\/), [finance](https:\/\/www.afspa.org\/tag\/finance\/), [future](https:\/\/www.afspa.org\/tag\/future\/), [Insurance](https:\/\/www.afspa.org\/tag\/insurance\/)\n## Recent Blogs\n[![](https:\/\/www.afspa.org\/wp-content\/uploads\/2025\/09\/father-helping-daughter-with-salad-2025-03-16-06-59-55-utc.jpg)](https:\/\/www.afspa.org\/blog\/lowering-cholesterol-through-smart-balanced-eating\/)\n\n### [Lowering Cholesterol Through Smart, Balanced Eating](https:\/\/www.afspa.org\/blog\/lowering-cholesterol-through-smart-balanced-eating\/)\n\n[![](https:\/\/www.afspa.org\/wp-content\/uploads\/2025\/09\/unhappy-athletic-sportswoman-with-elbow-pain-worki-2025-02-14-07-27-06-utc.jpg)](https:\/\/www.afspa.org\/blog\/pain-awareness-month-overcoming-pain\/)\n\n### [Pain Awareness Month: Overcoming Pain](https:\/\/www.afspa.org\/blog\/pain-awareness-month-overcoming-pain\/)\n\n[![](https:\/\/www.afspa.org\/wp-content\/uploads\/2025\/08\/back-to-school-2024-10-19-16-04-41-utc-scaled.jpg)](https:\/\/www.afspa.org\/blog\/back-to-school-health-check-a-guide-to-a-healthy-start-to-the-school-year\/)\n\n### [Back to School Health Check: A Guide to a Healthy Start to the School Year](https:\/\/www.afspa.org\/blog\/back-to-school-health-check-a-guide-to-a-healthy-start-to-the-school-year\/)\n\n[![](https:\/\/www.afspa.org\/wp-content\/uploads\/2025\/08\/african-american-woman-applying-suntan-lotion-on-s-2025-04-04-07-13-02-utc.jpg)](https:\/\/www.afspa.org\/blog\/skin-cancer-causes-symptoms-and-prevention-tips\/)\n\n### [Skin Cancer: Causes, Symptoms, and Prevention Tips](https:\/\/www.afspa.org\/blog\/skin-cancer-causes-symptoms-and-prevention-tips\/)\n\n[![](https:\/\/www.afspa.org\/wp-content\/uploads\/2025\/07\/a-brown-bearded-man-is-smearing-himself-with-sunsc-2024-10-13-20-47-57-utc-scaled.jpg)](https:\/\/www.afspa.org\/blog\/uv-safety-awareness-uv-protection-and-how-to-heal-sunburn\/)\n\n### [UV Safety Awareness– UV Protection and How to Heal Sunburn](https:\/\/www.afspa.org\/blog\/uv-safety-awareness-uv-protection-and-how-to-heal-sunburn\/)\n\n[![](https:\/\/www.afspa.org\/wp-content\/uploads\/2025\/07\/portrait-of-a-sick-young-african-american-man-wrap-2025-03-14-17-37-45-utc.jpg)](https:\/\/www.afspa.org\/blog\/summer-cold-allergies-or-the-flu\/)\n\n### [Summer Cold, Allergies, or the Flu?](https:\/\/www.afspa.org\/blog\/summer-cold-allergies-or-the-flu\/)\n\n## What we offer\n### [Health Insurance](https:\/\/www.afspa.org\/fsbp\/)\n### [Dental Insurance](https:\/\/www.afspa.org\/aip\/dental\/)\n### [Life Insurance](https:\/\/www.afspa.org\/aip\/life\/)\n### [Members of Household Insurance](https:\/\/www.afspa.org\/aip\/members-of-household-insurance\/)\n### [Travel Insurance](https:\/\/www.afspa.org\/aip\/travel\/)\n### [Professional Services](https:\/\/www.afspa.org\/aip\/professionalservices\/)\n### [Discount Care Programs](https:\/\/www.afspa.org\/aip\/discount-care-programs\/)\n## Request a Call Back\n[What plan or 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Search\n\n[![](https:\/\/www.afspa.org\/wp-content\/uploads\/2021\/01\/AFSPA_Logo_White_Caring-300x112.png)](https:\/\/www.afspa.org\/)\n\n**Headquarters:**   \n1620 L Street NW, Suite 800   \nWashington, D.C. 20036-5629\n\n## Resources\n- [Contact Us](https:\/\/www.afspa.org\/contact-us\/)\n- [Events](https:\/\/www.afspa.org\/events\/)\n- [Forms and Brochures](https:\/\/www.afspa.org\/fsbp-forms-library\/)\n- [Website Feedback](https:\/\/forms.office.com\/pages\/responsepage.aspx?id=aGuVOROC3E-bYD-o12_RkXNJRGIQpW1Bi_P6GxcpTIFUMk1NWVo5MTgzTE5KVDA2OTQwSEU3MVJDMy4u)\n- [Careers](https:\/\/recruiting.paylocity.com\/recruiting\/jobs\/All\/2095f7b2-0c09-403d-b8ec-609149118141\/American-Foreign-Service-Protective-Association?utm_source=New_HR_Default_Email_Signature&utm_medium=Banner&utm_campaign=External_Hiring_Paylocity)\n## Join our AFSPA email list\n[Subscribe Now\\!]()\n\n## Recent News\n- [From the CEO - October 2025 October 2, 2025](https:\/\/www.afspa.org\/newsitems\/from-the-ceo-october-2025\/)\n- [Extended Phone Hours from October 1 to December 31, 2025 September 19, 2025](https:\/\/www.afspa.org\/newsitems\/extended-phone-hours-from-october-1-to-december-31-2025\/)\n- [From the CEO - September 2025 September 1, 2025](https:\/\/www.afspa.org\/newsitems\/from-the-ceo-september-2025\/)\n- [From the CEO - August 2025 August 1, 2025](https:\/\/www.afspa.org\/newsitems\/from-the-ceo-august-2025\/)\n\n## Follow us\n[Facebook](http:\/\/facebook.com\/afspacares)     [Youtube](https:\/\/www.youtube.com\/channel\/UCG5fQz3kN4pOblkYD8Mt3-w)     [Instagram](http:\/\/instagram.com\/afspacares)     [Linkedin](https:\/\/www.linkedin.com\/company\/62986252\/)     [Microphone](https:\/\/afspatalks.buzzsprout.com\/)\n\n## Hours of Operation\n- Telephone: Mon - Fri \\| 8:30am - 5:30pm ET\n- [Appts: Mon - Fri \\| 10:00am - 2:00pm ET](https:\/\/www.afspa.org\/contact-us\/#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE4ODEzIiwidG9nZ2xlIjpmYWxzZX0%3D)\n- Saturdays & Sundays \\| CLOSED\n\nCopyright © 2025 All Rights Reserved by AFSPA.\n\n[Emails & Privacy](https:\/\/www.afspa.org\/email-and-privacy\/) \/ [Terms & Conditions](https:\/\/www.afspa.org\/terms-and-conditions\/) \/ [Notice of Privacy Practices](https:\/\/www.afspa.org\/wp-content\/uploads\/2021\/10\/Remediated-FSBP-Notice-of-Privacy-Practices-10.21.pdf)\n\n[![TAS\\_badge-silver](https:\/\/www.afspa.org\/wp-content\/uploads\/elementor\/thumbs\/TAS_badge-silver-q4ss676bk0ldaem1mzrmzk95qvwvlfh36fme9iu3u0.png)](https:\/\/godcgo.com\/transportation-allstars\/?utm_source=DC+Employers&utm_campaign=bdbe7c3fa6-EMAIL_CAMPAIGN_2019_11_13_08_14_COPY_01&utm_medium=email&utm_term=0_8b85183388-bdbe7c3fa6-711062204)","attrs_readable_markdown":null,"meta_canonical":null}

3. Robots.txt Check

Query:

Response:

4. Spam/Ban Check

Query:

Response:

5. Seen Status Check

ℹ️ Skipped - page is already crawled

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NOT INDEXABLE

✅

CRAWLED

6 months ago

🤖

ROBOTS ALLOWED

Page Info Filters

Filter	Status	Condition	Details
HTTP status	PASS	`download_http_code = 200`	HTTP 200
Age cutoff	FAIL	`download_stamp > now() - 6 MONTH`	6.3 months ago
History drop	PASS	`isNull(history_drop_reason)`	No drop reason
Spam/ban	PASS	`fh_dont_index != 1 AND ml_spam_score = 0`	ml_spam_score=0
Canonical	PASS	`meta_canonical IS NULL OR = '' OR = src_unparsed`	Not set

Page Details

Property	Value
URL	https://www.afspa.org/blog/critical-illness-insurance-can-help-your-financial-future/
Last Crawled	2025-10-08 09:12:46 (6 months ago)
First Indexed	2021-11-04 11:55:06 (4 years ago)
HTTP Status Code	200
Meta Title	Critical Illness Insurance Can Help Your Financial Future – AFSPA
Meta Description	null
Meta Canonical	null
Boilerpipe Text	It’s not luck….it’s preparation A line often quoted from the movie Titanic states that “a real man makes his own luck.” Well, be it man or woman, we all know that while we can’t possibly anticipate all of life’s surprises, we can take steps to mitigate their effects. A serious illness can really impact your financial future. It’s shocking to learn that 63% of Americans have used up most or all of their savings to pay for medical bills.[1] In addition, many may significantly cut back on necessary living expenses such as purchasing groceries, in order to pay medical bills. But as a member of the American Foreign Service Protective Association ( AFSPA ) you can take an important step toward helping protect your financial wellness if diagnosed with a critical condition.* AFSPA’s new Critical Illness (CI) Insurance,*launching July 1, 2021 and issued by The Prudential Insurance Company of America ( Prudential ), makes it easier to cover out-of-pocket medical and non-medical expenses, so you’ll have less financial stress while recovering. With a lump sum payment to use however needed, Critical Illness Insurance can fill the financial gaps or income shortfalls for personal expenses such as mortgage, rent, utility and car payments, and child-care costs. Critical Illness Insurance can also supplement insurance provided by the Foreign Service Benefit Plan ( FSBP ), long-term care insurance, disability insurance, or other medical insurance. As a member of AFSPA you have access to exclusive benefits that are vetted specifically for you and offered at competitive rates. LEARN MORE or download the AFSPA Talks podcast episode on June 28th when we’ll be discussing Critical Illness Insurance. Critical Illness Insurance covers specified critical illnesses. Check your plan brochure for details. ** This product is not available in all states. This coverage is not available in the following states and U.S territories: AK, KS, LA, ME, MN, MT, NH, OR, UT, WV, GU, and PR 1 Kaiser Family Foundation/New York Times survey, January 5, 2016. Critical Illness Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. 1048995-00001-00
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[Find out if you are eligible](https://www.afspa.org/eligibility/). ![](https://www.afspa.org/wp-content/uploads/2021/09/group-of-employees-300x200-1.jpg) - [About us](https://www.afspa.org/about-us/) - [Contact Us](https://www.afspa.org/contact-us/) [![cropped-AFSPA\_Logo\_website-01.jpg](https://www.afspa.org/wp-content/uploads/2021/02/cropped-AFSPA_Logo_website-01-e1629937890699.jpg)](https://www.afspa.org/) X ## Critical Illness Insurance Can Help Your Financial Future - [Home](https://www.afspa.org/) - Critical Illness Insurance Can Help Your Financial Future ## Critical Illness Insurance Can Help Your Financial Future ![Woman with illness being pushed in a wheelchair](https://www.afspa.org/wp-content/uploads/2021/07/cancer.jpeg) - [June 23, 2021](https://www.afspa.org/2021/06/23/) ### It’s not luck….it’s preparation A line often quoted from the movie Titanic states that “a real man makes his own luck.” Well, be it man or woman, we all know that while we can’t possibly anticipate all of life’s surprises, we can take steps to mitigate their effects. A serious illness can really impact your financial future. It’s shocking to learn that 63% of Americans have used up most or all of their savings to pay for medical bills.\[1\] In addition, many may significantly cut back on necessary living expenses such as purchasing groceries, in order to pay medical bills. But as a member of the American Foreign Service Protective Association (AFSPA) you can take an important step toward helping protect your financial wellness if diagnosed with a critical condition.\* AFSPA’s new Critical Illness (CI) Insurance,\\launching July 1, 2021 and issued by The Prudential Insurance Company of America (Prudential), makes it easier to cover out-of-pocket medical and non-medical expenses, so you’ll have less financial stress while recovering. With a lump sum payment to use however needed, Critical Illness Insurance can fill the financial gaps or income shortfalls for personal expenses such as mortgage, rent, utility and car payments, and child-care costs. Critical Illness Insurance can also supplement insurance provided by the Foreign Service Benefit Plan (FSBP), long-term care insurance, disability insurance, or other medical insurance. As a member of AFSPA you have access to exclusive benefits that are vetted specifically for you and offered at competitive rates. [LEARN MORE](http://afspa.org/aip_detail.cfm?page=Critical-Illness) or download the [AFSPA Talks](https://afspatalks.buzzsprout.com/) podcast episode on June 28th when we’ll be discussing Critical Illness Insurance. *** \Critical Illness Insurance covers specified critical illnesses. Check your plan brochure for details. \\* This product is not available in all states. This coverage is not available in the following states and U.S territories: AK, KS, LA, ME, MN, MT, NH, OR, UT, WV, GU, and PR 1 Kaiser Family Foundation/New York Times survey, January 5, 2016. Critical Illness Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. 1048995-00001-00 - Tags: [critical illness](https://www.afspa.org/tag/critical-illness/), [finance](https://www.afspa.org/tag/finance/), [future](https://www.afspa.org/tag/future/), [Insurance](https://www.afspa.org/tag/insurance/) ## Recent Blogs [![](https://www.afspa.org/wp-content/uploads/2025/09/father-helping-daughter-with-salad-2025-03-16-06-59-55-utc.jpg)](https://www.afspa.org/blog/lowering-cholesterol-through-smart-balanced-eating/) ### [Lowering Cholesterol Through Smart, Balanced Eating](https://www.afspa.org/blog/lowering-cholesterol-through-smart-balanced-eating/) [![](https://www.afspa.org/wp-content/uploads/2025/09/unhappy-athletic-sportswoman-with-elbow-pain-worki-2025-02-14-07-27-06-utc.jpg)](https://www.afspa.org/blog/pain-awareness-month-overcoming-pain/) ### [Pain Awareness Month: Overcoming Pain](https://www.afspa.org/blog/pain-awareness-month-overcoming-pain/) [![](https://www.afspa.org/wp-content/uploads/2025/08/back-to-school-2024-10-19-16-04-41-utc-scaled.jpg)](https://www.afspa.org/blog/back-to-school-health-check-a-guide-to-a-healthy-start-to-the-school-year/) ### [Back to School Health Check: A Guide to a Healthy Start to the School Year](https://www.afspa.org/blog/back-to-school-health-check-a-guide-to-a-healthy-start-to-the-school-year/) [![](https://www.afspa.org/wp-content/uploads/2025/08/african-american-woman-applying-suntan-lotion-on-s-2025-04-04-07-13-02-utc.jpg)](https://www.afspa.org/blog/skin-cancer-causes-symptoms-and-prevention-tips/) ### [Skin Cancer: Causes, Symptoms, and Prevention Tips](https://www.afspa.org/blog/skin-cancer-causes-symptoms-and-prevention-tips/) [![](https://www.afspa.org/wp-content/uploads/2025/07/a-brown-bearded-man-is-smearing-himself-with-sunsc-2024-10-13-20-47-57-utc-scaled.jpg)](https://www.afspa.org/blog/uv-safety-awareness-uv-protection-and-how-to-heal-sunburn/) ### [UV Safety Awareness– UV Protection and How to Heal Sunburn](https://www.afspa.org/blog/uv-safety-awareness-uv-protection-and-how-to-heal-sunburn/) [![](https://www.afspa.org/wp-content/uploads/2025/07/portrait-of-a-sick-young-african-american-man-wrap-2025-03-14-17-37-45-utc.jpg)](https://www.afspa.org/blog/summer-cold-allergies-or-the-flu/) ### [Summer Cold, Allergies, or the Flu?](https://www.afspa.org/blog/summer-cold-allergies-or-the-flu/) ## What we offer ### [Health Insurance](https://www.afspa.org/fsbp/) ### [Dental Insurance](https://www.afspa.org/aip/dental/) ### [Life Insurance](https://www.afspa.org/aip/life/) ### [Members of Household Insurance](https://www.afspa.org/aip/members-of-household-insurance/) ### [Travel Insurance](https://www.afspa.org/aip/travel/) ### [Professional Services](https://www.afspa.org/aip/professionalservices/) ### [Discount Care Programs](https://www.afspa.org/aip/discount-care-programs/) ## Request a Call Back [What plan or service do you need help with?]() - [Dental](https://www.afspa.org/aip/dental/secure-form-dental-plan-question/) - [Disability](https://www.afspa.org/aip/disability/secure-form-disability-form-question/) - [Life, AD\&D, Critical Illness](https://www.afspa.org/aip/life/secure-form-life-insurances-question/) - [Foreign Service Benefit Plan](https://www.afspa.org/secure-form-ask-fsbp-benefits-and-claims-questions/) - [Immediate Benefit Plan](https://www.afspa.org/aip/life/secure-form-immediate-benefit-plan-question/) - [Legal Services](https://www.afspa.org/aip/secure-form-contact-legal-services/) - [Travel](https://www.afspa.org/aip/travel/secure-form-travel-plan-question/) ## Have a Question? 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