No one knows when it might happen, but for most of us it will happen… a turned ankle, a fall from a ladder, a sporting injury or something at work goes wrong. You hear about accidents happening every day to someone. Accidents are usually not life changing events, but they may cause a major interruption in our lives. You usually will have deductibles, coinsurance or co-pays with your major medical insurance. You may be off work a few days or have expenses in traveling for rehabilitation. The expense of crutches, braces, doctor visits and medications are just a few things that can occur when you have an accident. You may not think an accident will happen to you or your family members, but we all know accidents can and do happen.
Contact us if we can help or you would like to learn more.
First Occurrence Cancer
In the United States, cancer is the leading cause of death, behind heart disease. The lifetime risk of developing cancer is approximately 1 in 2 for men and 1 in 3 for women. Anyone can be diagnosed with cancer. It can appear anywhere at anytime. Even those who live a healthy lifestyle run the risk of getting cancer. The risk becomes even greater with age. Nearly 77% of all cancers are diagnosed in persons 55+ years of age. No one likes to think about the possibility of getting cancer, but the risk is very real. How would you and your family pay the cost to combat this disease? 1 in 5 people who have health insurance use all or most of their savings because of the financial strain of dealing with cancer. You can protect yourself with an insurance plan that offers help in paying for indirect expenses associated with cancer care.
Please don’t hesitate to contact me if you have questions or interest in learning more.
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Heart attack, cancer, stroke… these are words that can devastate your family, but they can also devastate your finances. With advances in medical care, most people will survive these illnesses, but how long will you be off work? How long will your spouse be off work caring for you? Will you be able to return to work? Critical care insurance fills that gap left in your finances should you be unable to work. Mortgage payments, car payments, insurance deductibles and co-pays… food, utility bills and the cost of everyday living are just some of the expenses one would incur. Critical care insurance will provide you with a lump sum amount of money so your standard of living can continue on when you can’t.
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It is estimated that three out of ten people now age twenty will become disabled for a period of time before they reach age 67. No one wants to think about not receiving a paycheck or being unable to make a mortgage payment. Disability insurance is designed to help protect you and your family’s lifestyle in case of a major illness or disability. There are two types of disability underwriting: simplified and fully underwritten.
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As anyone who has been subject to medical treatment knows, health care costs can be astronomical. Most plans just don’t provide all of the necessary coverage for out-of-pocket expenses and gaps in insurance. Unless you have a financial plan that will afford you the extra expense of health care you may find yourself using most, if not all, of your hard earned savings to pay those outstanding medical debts. Most health insurance plans, including major medical, guaranteed acceptance plans and even Medicare usually have deductibles, co-pays, coinsurance and coverage limits. Indemnity insurance should give you peace of mind in the event of a sickness or illness to you or a family member.
Please contact me if you want more information or would like to enroll.
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