This year 1.6 million Americans¹ will hear the life changing words “you have cancer.” Most will survive.

It's estimated that 75% of healthy individuals older than 40 will become critically ill at some point in their lives.²

Survival comes with a steep financial cost. Even if you have great health insurance, you’ll pay deductibles and co-payments. You’ll pay for prescriptions. You may wish to seek alternative care that’s not covered.

While you recover, you won’t be working. State disability payments are limited and typically short-term. You’ll still have to make mortgage payments and, pay and auto bills. And, here’s my favorite, while you are sick and not working – you will still have to pay your health insurance premium.

Medical problems are the cause of almost two-thirds of U.S. bankruptcies and 80% of these individuals had health insurance. (Source: Harvard University Study, 2009). Doctors can save and cure us. But, they can’t heal the financial toll.

That’s why I’d like to talk to you about Critical Illness insurance is a LIMITED BENEFIT POLICY. The concept was started by a heart surgeon who recognized the financial toll on his own patients. Today, hundreds of thousands of people benefit from this coverage worldwide. It’s something that you should consider.

Imagine knowing your mortgage will be covered, while you focus on recovering.

Heart attacks, cancer strokes, Alzheimer’s are real. The cost is enormous. Affordable protection is available while you are still healthy. Let me tell you more.

1. Cancer Statistics 2013, The American Cancer Society

2. Mueller, E., & Spencer, L. (2012) Critical Illness Plans: Addressing Your Client’s Needs. Healthcare Reform Magazine, March 3, 2012. http:// www.healthcarereformmagazine.com/article/critical-illness-plans-addressing-your.html