Cancer, Heart Attack & Stroke Insurance  
and
Critical Illness Insurance

 



 

                            

"Because Life Changes When You Get Sick"

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Why do you need
C
ancer, Heart Attack
& Stroke
Insurance
or

C
ritical Illness Insurance?

Dr. Marius Barnard,
the "Creator of Critical Illness Insurance"
,
explains why this Coverage is so vital to the Patient's and the Patient's Family's Financial and Emotional Well-Being ...and their "Peace of Mind".

 
Because today, due to early detection, prevention and advances in medical treatments, the odds of surviving a life altering critical medical condition are better than ever.

However, your medical insurance policy pays for only a portion of the cost of care necessary to get you
back on your feet again. 

That's why you need Cancer, Heart Attack & Stroke
or Critical Illness protection. 

These plans help you pay the bills associated with your treatment and recovery that your traditional medical coverage either won't pay or simply wasn't ever designed to pay.

Consider These Facts

Did you know?


  • More than 75% of healthy individuals over 40 will become critically ill at some time in their lives.  (Mueller, E. & Spencer, L., "Critical Illness Plans: Addressing Your Client's Needs.", Healthcare Reform Magazine, March 3, 2012)
  • 1 in 2 will be diagnosed with cancer.  (United States Cancer Statistics - USCS, Centers for DIsease Control and Prevention site, 2011, Cancer of all sites - SEER Stat Fact Sheet, 2011)
  • In 2010, 785,000 Americans had a new coronary attack - 470,00 of them had a recurrent attack.  (Roger V, Go,A, Lloyd-Jones, D, et al, Heart Disease and Stroke Statistics - 2011 update, American Heart Association Statistics Committee and Stroke Statistics Subcommittee)
  • Every 40 seconds, someone has a stroke.  (Stroke Facts, Centers for Disease Control and Prevention, 2011)



Yet...


  • 86% of Heart Attack patients survive...even higher if it's the first occurrence.  ("Why Do I Need Critical Illness Insurance?" essential benefits.ca. Essential Benefits. 2 Feb.2011.Web.2010)
  • 80% of Stroke patients survive the initial event - 35% recover fully or with minor impairments.  ("Cancer Facts and Figures 2011", American Cancer Society, n.d. Sep 2011)
  • 60% to 90% survive Kidney Failure.  ("Acute Kidney Failure", merckmanuals.com, The Merck Manuals Online Medical Library, 16 Feb, 2011, Web, 2010)
  • 50% to 90% survive a Major Organ Transplant.  ("Organ Transplantation", FAQs.org.health, n.d. Web, 16 Feb, 2011)



The good news is that you've


survived a devastating

Critical Illness!

...But at what cost to you you and your family?


These Days,


Traditional Medical Insurance


Is Just Not Enough!

Medical Insurance does not cover...


  • Co-Pays and Deductibles
  • Out-of Network or Experimental Treatments
  • Loss of Income
  • Transportation and Lodging
  • Everyday Expenses Like Mortgage Payments, Utilities, Car Payments, Credit Card Payments & Child Care



Consider this...


  • "65% of the cost of Cancer Treatment is not covered by traditional health      insurance"  (American Cancer Society Website)

For many of us, an illness like cancer, heart attack or stroke can cause serious financial and emotional hardships from which we might never recover.

In fact, 2/3 of all bankruptcies are due to medical expenses, even though 79% of those individuals had medical insurance!   (Himmelstein, David U. et al, "Medical Bankruptcy in the United States, 2007: Results of a Clinical Research Study.", Harvard U. n.d. Web, 16 Mar, 2011)

And 1/2 of all home foreclosures are due to medical expenses.  (Robertson, Egelhof & Hoke, "Get Sick, Get Out: The Medical Causes of Home Mortgage Foreclosures", August, 2008. Web. Oct, 2011)

This is where


Cancer, Heart attack & Stroke

or

Critical Illness Insurance

can help!
These Insurances will pay the chosen cash benefit for your selected benefit period or in a lump sum, depending upon the policy, immediately upon the diagnosis of a covered critical condition!  

Your cash benefit can then be used to offset those expenses that traditional medical insurance does not cover or for any other financial obligation you need to satisfy.

Call us at 888-843-4582

"Because Life Changes When You Get Sick"

Have You Ever Been


Denied Being Issued


Long Term Care

I
nsurance ?

 
Critical Illness Insurance Could Help!

Critical Illness Insurance may offer you some
remedy by providing you with
benefits to pay for certain conditions commonly covered by LTC Insurance
,
even if you can't qualify for traditional
Long Term Care coverage...



...even Alzheimer's Disease!
 

Give us a call today to see if you qualify!