Who Developed Critical Illness Insurance?

1. 

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   S. Louis Rouse

   Rouse Insurance Services, Tennessee

   South African heart surgeon Dr. Marius Bernard.. Brother to Dr. Christian Bernard   Together, they were on the team that performed the first human to human heart transplant.   First offered in 1983, The product spread throughout the British Empire before finally being offered in the United States in 1996.

   Answered on July 23, 2013

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2. 

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   Peggy Mace

   Most of the U.S.

   According to Wikipedia and other articles, Critical Illness Insurance was developed by Dr. Marius Barnard in 1983 in South Africa. Dr. Barnard named the policy "Dread Disease Insurance". As a cardiac surgeon (he served on the team of the first heart transplant, headed by his brother, Dr. Christian Barnard), he saw how critical illnesses impacted the lives of those who suffered from them, and developed a policy to offset that hardship.

   Answered on July 27, 2013

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