---
title: "What Is Cancer, Heart Attack & Stroke (CHAS) Insurance? A Guide for Agents"
description: "A plain-English explanation of CHAS coverage, who buys it, and how to explain it to clients."
url: https://unlockedcrm.ai/blog/what-is-chas-insurance-agent-guide
canonical: https://unlockedcrm.ai/blog/what-is-chas-insurance-agent-guide
category: "Product"
published: 2026-09-30
updated: 2026-09-30
last_updated: 2026-09-30
author: "unLocked Team"
publisher: unLocked CRM
source_url: https://unlockedcrm.ai/blog/what-is-chas-insurance-agent-guide
summary: "CHAS is a critical illness policy that pays a lump sum directly to the client on a first diagnosis of cancer, heart attack, or stroke."
license: Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/what-is-chas-insurance-agent-guide
source: unLocked CRM — AI CRM for insurance agents
---

# What Is Cancer, Heart Attack & Stroke (CHAS) Insurance? A Guide for Agents

## TL;DR

CHAS is a critical illness policy that pays a lump sum directly to the client on a first diagnosis of cancer, heart attack, or stroke. The client decides how to spend it — deductibles, travel for treatment, lost income, or the mortgage.

<div data-ai-block="definitive-answer"><h2>The Short Answer</h2><p>CHAS is a critical illness policy that pays a lump sum directly to the client on a first diagnosis of cancer, heart attack, or stroke. The client decides how to spend it — deductibles, travel for treatment, lost income, or the mortgage.</p></div>
<p>CHAS is a critical illness policy that pays a lump sum directly to the client on a first diagnosis of cancer, heart attack, or stroke. The client decides how to spend it — deductibles, travel for treatment, lost income, or the mortgage.</p>
<h2>Who Buys It</h2><p>Medicare Advantage clients facing high maximum out-of-pocket costs, under-65 families on high-deductible plans, and anyone with a family history of cardiac or cancer events.</p>
<h2>What It Pays</h2><ul><li>Lump-sum benefit on first diagnosis</li><li>Cancer, heart attack, and stroke in one policy</li><li>Optional recurrence and additional diagnosis benefits</li><li>Paid to the client, not the doctor</li></ul>
<h2>What It Is Not</h2><p>CHAS is supplemental insurance. It does not replace Medicare or major medical coverage, and benefits vary by state and carrier.</p>
<h2>How to Explain It in One Sentence</h2><p>"Lump-sum cash when a client is diagnosed with cancer, a heart attack, or a stroke."</p>
<p>Quote it in seconds with <a href="/chas-insurance-quoting">unLocked CRM CHAS quoting</a>.</p>

## FAQ

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## Related

- https://unlockedcrm.ai/blog/chas-quoting-now-in-unlocked-crm
- https://unlockedcrm.ai/blog/how-to-cross-sell-chas-insurance
- https://unlockedcrm.ai/blog/best-chas-quoting-software-for-agents

---

Source: [What Is Cancer, Heart Attack & Stroke (CHAS) Insurance? A Guide for Agents](https://unlockedcrm.ai/blog/what-is-chas-insurance-agent-guide) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/what-is-chas-insurance-agent-guide.