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Do you know there are 2 kinds of break-ins — insured and uninsured?  Imagine someone breaking into your house and stealing valuable possessions and causing damage to your property.  Whether you have homeowner’s insurance or not, the event is exactly the same — but the impact on your family’s finances and general well-being is dramatically different.

 

Everyone knows an insured break-in is better than an uninsured break-in.  But most people don’t know there are also two types of cancers — uninsured and insured; two types of accidents and serious illnesses — uninsured and insured, and so on.

Do you know someone who has had a serious accident, heart attack, or stroke, or has been diagnosed with cancer?  Everyone knows someone who has suffered a serious accident or critical illness.  Was it expected?

No one expects it!  Most accidents and serious illness are random. Most people think “it won’t happen to me”.

Did it create a emotional or financial stress?  In almost every situation there is financial stress and there is always emotional stress.  Financial worries usually increase emotional stress.

Would cash have helped?   Everyone answers “yes”.  If  you or a family member were disabled in an accident or diagnosed with an illness that prevented you from attending work, how would you use the money?

 

Does your major medical health insurance policy pay you cash when you are injured or sick?   No!  Health insurance policies pay medical bills, or a portion of them,  directly to the provider.

Major medical health insurance policies are like a boat with holes.  If you don’t plug the holes, the boat can sink — or in the case of accidents and critical illness, prevent you from paying the rent or mortgage, buying groceries, and keeping the lights on.

Accident and critical illness insurance is an affordable and fiscally responsible way to protect your income.  These supplemental voluntary benefits policies plug the holes in your major medical health insurance plan that could sink your finances and lead to bankruptcy. (1)  

Contact us to learn how to protect your income by filling the gaps in your health insurance plan. We can help you gain access to the following plans at 40% premium discounts plus tax savings through your employer:

Accident;  Cancer;  Specified Disease;  Critical Illness;  Hospital Confinement;  Hospital Intensive Care;                            Short Term Disability;  Dental;  Vision

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Loss of income resulting from accident or illness is the leading cause of bankruptcy – even for those with health insurance.  Medical Bankruptcy in the United States, 2007: Results of a National Study. David U. Himmelstein, MD (a), Deborah Thorne, PhD (b), Elizabeth Warren, JD (c), Steffie Woolhandler, MD, MPH (a) a-Department of Medicine, Cambridge Hospital/Harvard Medical School, Cambridge, Mass; b-Department of Sociology, Ohio University, Athens; and c-Harvard Law School, Cambridge, Mass.