Critical Illness
Surviving a Critical Illness
The Good News, Survival - The Bad News, The Price Tag

Advances in medicine have increased your chances of surviving a heart attack, stroke, life threatening cancer, kidney failure, and many other serious illnesses. The cost of surviving these conditions however can disrupt your financial life. Now there is a way for you to survive a critical illness medically and financially.

Critical Illness Insurance pays a lump sum benefit (your choice from $5,000 to $500,000) upon first diagnosis of life threatening cancer, heart attack, stroke, major organ transplant, end-stage kidney failure, and more.

What would it mean to you?

Although medical insurance and other insurance coverage’s that you may own are essential, they won't cover everything. Medical treatment has never been better, but it is also expensive. People today can experience financial hardship because of the expenses their insurance does not cover. Think about it. When a critical illness strikes you could be responsible for uncovered expenses such as your insurance deductible, insurance cost sharing, loss of income, extra travel expenses, experimental medical treatments, extra child care, and modifications to your home, just to name a few.

Critical illness insurance could be the bridge between covered health care costs and most of the other indirect costs of a critical illness. Because critical illness insurance pays you a cash benefit (almost always tax-free) upon diagnosis of a covered critical illness or condition, you choose how to spend it:

  • Make payments on your mortgage
  • Pay for groceries and utilities
  • Pay medical bills
  • Hire help for around the house
  • Take a family vacation

What if I never have a claim?

Many of today’s critical illness insurance policies include an option for full Return of Premium. No claims made, receive all of your premiums back at a specified age.

Don’t let a medical crisis become a financial crisis too.

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