Securian has introduced a group critical illness insurance program in Texas, targeting employer-sponsored coverage distributed through trusts, including labor unions and multiple employer arrangements.

The product, branded as Trust Critical Illness Insurance, is structured as a limited benefit offering that pays fixed amounts upon diagnosis of covered conditions such as cancer, heart attack, stroke, and other serious illnesses. It is not major medical coverage and is positioned as supplemental protection rather than a replacement for comprehensive health insurance.

The filing includes a full suite of policy forms, certificates, and enrollment materials, along with new participating organization riders designed to extend coverage across multiple employers within a trust. These additions allow a single group policy to cover employees from different organizations under a shared structure, pointing to a distribution model built around association and affinity groups.

Coverage is offered on both employer-paid and employee-paid bases, with optional supplemental benefits available for employees, spouses, and children. Employees can elect coverage amounts from preset tiers, with guaranteed issue available during initial enrollment and periodic open enrollment windows. The product also includes portability and continuation features, allowing individuals to maintain coverage after leaving employment under certain conditions.

Benefits are paid based on the type and severity of the illness, with some conditions eligible for repeat payouts if they recur after a defined separation period. The policy also includes wellness benefits and a range of ancillary payments tied to screenings, lodging, and related expenses.

Eligibility is tied to employment status, including minimum hours worked and waiting periods, while underwriting requirements apply for higher coverage levels or late enrollment. The structure supports both active employees and, in some cases, retirees, depending on the plan design selected by the policyholder.