The Solution...
Critical Illness Insurance is a lump sum cash benefit (up to $1,000,000) that will be given to you upon the first confirmed diagnosis of an illness or medical condition covered by your policy. You choose to use your cash as you see fit - replace income, mortgage payments, travel expenses, etc. Included in the coverage are the following illnesses or medical conditions:

Invasive Cancer Heart Attack Stroke Major Organ Transplant End Stage Renal Disease

Advanced Alzheimer's Paralysis Coma Occupational HIV and more...

Critical Illness Insurance Pays the Insured for Living!
Consider the following: 60% of all cancer victims survive at least 5 years*. 75% of all heart attack victims will survive at least 3 years*, and 70% of all stroke victims will be alive 3 years later*. Due to the amazing advances in medical science, we are living longer and living through medical conditions from which we used to die.

Life expectancy in 323 B.C. (when Alexander the Great died) was 40. In 1900, it was 47 for males. Today, males are expected to live to 76 and beyond; females to 83 and beyond. What changed this? Good doctors and good medicine!

Now, allow another thought to enter your mind. How many people feel they are under more stress than in the past? Just consider how we live. Look at our lifestyles! Look at our eating habits! Look at how much faster paced our lives are! It is no wonder we are under more stress! And stress, by its very nature, causes blood vessels to constrict, leading to more arteriosclerosis, heart attacks, cancer, and other internal and organ related diseases.

Let's look at the case of Lance Armstrong. Lance was diagnosed at the age of 24 with testicular cancer. In his book, It's Not About the Bike, Armstrong relates how he had to go to Indianapolis for treatments. Living with the stress of the situation, unable to generate income and battling the cost of the treatment all contributed to quite a challenge. Fortunately for Armstrong, he had a sponsor step up big-time. Yet, he still had to sell his Porsche and part of his art collection. Now, would any of us today be so lucky.

This is Where Critical Illness Insurance Comes In.
Life Insurance, Health Insurance, and Disability Insurance alone can not cover the monetary discrepancy left when faced with a critical illness. Life Insurance only pays when you die. This will not cover the stresses and costs you and your family face during an illness. It is a fact that only 3% of mortgage foreclosures are due to death, while 48% of mortgage foreclosures are due to CRITICAL ILLNESS!**

Health Insurance typically pays 80%-100% of covered health/medical costs. This money is paid directly to the doctors and hospitals. Often times a deductible must also be met to cover medical costs. According to the American Cancer Society, 66% of total costs of cancer are "non-medical".***

Disability Insurance is typically sold with a 90 day elimination period. If you are approved to receive disability insurance it then only pays a 60% replacement of your income. If you are faced with stresses of living on 100% of your income, can you imagine only receiving 60%?

You need Critical Illness Insurance because it makes a difference in people's lives! You need Critical Illness Insurance because you are going to live!
You need Critical Illness Insurance...

to immediately pay off your debts. to replace income for an undefined period of time. to insure against the loss of service of a key executive. to spend quality time with your family. to move to a less stressful job. to spend time with the family member who is ill. to cover uncovered medical bills, deductible and co-insurance. to arrange for childcare when recovering. to choose to go to the best doctor possible. TO DO WHATEVER YOU WANT WITH YOUR CASH BENEFIT!

Call and speak with us today.
We will be glad to answer your questions, set up an appointment, and help you plan responsibly for you and your family. Click here to contact us for a simple consultation.