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data taken from a 2007 Harvard University study on Medical Bankruptcies
Would you be financially prepared if you were struck by a critical illness? Health Insurance alone does not cover lost income and still leaves you open to both your deductible and the services they don't cover. Critical illnesses like cancer, heart attack, stroke, paralysis, kidney failure, Alzheimer's disease and others are devastating; emotionally, financially, and physically. That's why Critical Illness coverage is one of the most important insurances you have.
Medical Studies have proven that people who are under less stress recover faster from a critical illness. When you need to be healing, worrying about growing medical bills and lost income will only slow you down. Even with health insurance, most policies today have high deductibles and out of pocket limits, and it's also hard to to predict some of the costs you may face when battling a critical illness
Critical Illness Insurance was invented by one of the doctors who participated in the world's first heart transplant in South Africa in 1983, Dr. Marius Barnard. He observed that his patients were recovering from critical illnesses that used to be fatal but were often left financially devastasted. He urged insurers to begin offering coverage that would repair people's finances after a devastating critical illness. On Aug 6, 1983, Critical Illness Insurance was born. Since then, Critical Illness Insurance has become a norm around the western world and has been available in the United States for some time.
Lost Income and bills should be the least of your problems when you're suffering the aftermath of a critical illness. Your only priority should be your speedy and full recovery. The unfortunate truth however is that the monthly bills must still be paid, even if you're unable to work.
We work with all of the top insurers offering critical illness insurance and will help you select coverage that covers the broadest spectrum of illnesses for the most reasonable cost amongst similar selections. As a broker, we work with al lthe standard health insurers offering these products as well as more robust options such as Assurity Life, Mutual of Omaha, Lincoln Financial, and many others to products.
Cash Benefits from $10,000 to $250,000 are available as lump sum benefit with most policies. The best policies will cover most or all of these illnesses. The money is yours to keep if you fully recover. All that matters is that you were diagnosed with a critical illness.
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