CRITICAL ILLNESS INSURANCE 1-2-3

Critical illness insurance is medical insurance that pays a lump-sum benefit upon diagnosis of a critical illness or condition. A critical illness insurance payout helps you avoid the financial strain a major illness can create so you can focus on your recovery. It gives you the freedom to:

• Get the treatment you want
• Spend time with your family and friends
• Keep your home and other assets

Critical illness insurance has helped thousands of people outlive their illnesses.

 Determine Your Need

Traditional health insurance is valuable, but often limiting. Because medical treatment is more advanced than ever, it's also more expensive. People today often experience financial hardship because of the medical expenses their health and disability insurance don't cover. Critical illness insurance could be a strong supplement to other health insurance. Determine if you need critical illness by learning what it pays for that other plans don't.

Who needs critical illness insurance?
It's difficult to predict if and when you will suffer a critical illness, however, if you relate to one of the following descriptions, you should consider critical illness insurance:

• Your high income precludes you from purchasing enough disability to meet your needs
• Your high-risk profession prevents qualification for traditional disability coverage
• You have a high medical deductible
• You don't have health insurance
• You're a parent
• You're self-employed
• You're a homemaker

How critical illness insurance work?
You decide how much coverage you need at a premium within your budget. Upon diagnosis with a covered illness or condition, you receive a check for the amount of coverage you purchased.

Additional features:

• Your plan is guaranteed renewable as long as your premiums are paid on time
• Return of premium option. The return of premium benefit is perfect for people who want critical illness insurance, but don't want to feel like they've lost their money if they never use it.

What do I use the lump-sum benefit for?
You can make payments on your mortgage and medical bills, hire help for around the house, pay for day care or elder care, travel to treatments. You decide.

Do you need critical illness insurance if you have other types of insurance?
Medical treatment is more advanced than ever, but it's also more expensive. People today often experience financial hardship because of the expenses their health and disability insurance don't cover.

Other types of insurance simply aren't designed to meet the additional expenses of a serious illness or condition. They may help pay some of your hospital and doctor charges, or even replace part of your lost income. You may use your critical illness insurance to help pay for other unexpected expenses such as:

• Experimental treatment

• Travel expenses to and from treatment

• Out-of-network doctors and hospitals

• Childcare and eldercare

• Insurance deductibles and co-payments

Consider that:

• Men have slightly less than a 1 in 2 lifetime risk of developing cancer, while the risk for women is a little more than 1 in 3.¹

• On average, every 45 seconds someone in the United States has a stroke.²

Critical illness insurance can affordably protect you and your family from these additional expenses.

Plan Details
Because our critical illness insurance pays you a cash benefit upon diagnosis of a covered critical illness or condition, you choose how to spend it:

• Make payments on your mortgage

• Pay medical bills

• Hire help for around the house

•  Take a family vacation

Critical Illness Insurance Covered Illnesses and Conditions
Critical illness insurance often pays 100% of your maximum benefit amount for these illnesses and conditions, to name a few:

·          Heart Attack

·          Cancer

·          Stroke

·          Alzheimer's disease

·          Major organ transplant

·          Kidney failure

·          Multiple sclerosis

·          Blindness/Deafness

The following story gives an example of how critical illness insurance can help you and your family. Put yourself in this situation and consider whether you'd be able to do this without critical illness insurance.

 Linda's Story

After four months of experimental treatment in a leading breast cancer specialist's program, Linda's prognosis is excellent. She's had high health care bills because her medical insurance didn't cover experimental treatment. And she's looking forward to running her consulting company at full speed again. But Linda's taking it easy for a few more months, just to be sure. She can afford the medical care and to take time away from her business. Linda had critical illness insurance.

Call 877-302-3800 to schedule an appointment with a licensed agent for more information.

¹American Cancer Society. Cancer Facts & Figures 2007
²American Heart Association. Heart Disease and Stroke