Critical Illness
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In a second a critical illness can change the way you and your loved ones live your lives. Are you prepared

Today, most of us will survive a critical illness. The marvels of modern medicine have resulted in our ability to survive and recover. Yet, the costs can be devastating. Living with the consequences of a critical illness can be a harsh reality. If it happened to you, how much additional expense could you bear? How much change could you tolerate in your life?

What If It Happens To You?
A heart attack, a stroke, life threatening cancer, kidney failure or major organ transplant frequently result in expenses not covered by health or disability income insurance.
Additional expenses can result in financial burdens that can drastically change how we live our lives.
Protect your independence and your lifestyle! Traditional insurance may not pay all your expenses.

"What about my medical insurance?"
Typically, medical insurance does not cover lost income for the survivor and family, deductibles, co-pays, elective/experimental treatments, some drugs, additional medical opinions, out-of-network specialists, housekeeping, childcare expenses, transportation, rehabilitation, home health care, home and/or vehicle modifications.

"My disability insurance will pay!"
Disability income insurance usually pays a percentage of your income after a waiting period (90 to 180 days). But, living expenses normally increase with a change in health. Disability income insurance may not provide enough income to cover existing bills, let alone additional costs relating to your illness.

"I have life insurance!"
Your beneficiaries are paid upon your death, not while you’re living. What happens if you survive a critical illness?