Brandon Talks Critical Illness


Brandon Talks Critical Illness

From Br andon:

Twelve years ago, I finally opened the business of my dreams.  After decades stuck inside an office, I was able to leave it all behind for a now thriving coffee house.

From day one, it was perfect.  Sure there were some struggles here and there, but nothing that killed my spirit or deterred my motivation.  The location was perfect and my business quickly became crowded with ‘regulars’ every day.  A dream come true!

Unfortunately, only three years into my new business, my health wasn’t doing as well as my business. I had a stroke before leaving my home one morning.  Thankfully my wife noticed me acting different prior to the onset of the stroke, so when it happened, emergency responders were already on the way and the aftermath wasn’t as bad as it could have been.  However, I still had astronomical medical expenses for the incident itself, as well as financial burden for aftercare and further treatment.

Anyone else I know would have been extremely worried about this situation.  Dealing with the medical issue is bad enough, but how do you cope with the financial stress and stay healthy at the same time?

You do it by having Critical Illness Insurance part of your policy plan. 

Prior to opening my coffee house, I met with my insurance agent to discuss the exact coverage and policies I needed to protect my family and protect my business.  He suggested I add Critical Illness along with Disability and Life Insurance.  Had I ignored that suggestion, my situation would have been much worse.  Because I took his advice and had Critical Illness Insurance, I received a cash payment that allowed me to cover all of the remaining medical expenses, lost wages, and keep the coffee house form sinking until I could get back to work. My wife and I carefully planned and budgeted and were able to make it through my extended medical treatment plan with only a small amount of out-of-pocket expense.

I still have the coffee house.  I still have Critical Illness Insurance. 

I wouldn’t choose to live without either of them.

Critical dollar




Coffee Addict

Our office has never hid the fact that we love coffee. Regular, decaffeinated, black, espresso, latte – whatever. It doesn’t matter. We are addicted! Addicted in the healthiest way, of course!
We consider our addiction to a good thing, because of the benefits associated with consuming coffee. There are numerous myths surrounding coffee and often times it is accused of causing some pretty serious health problems. Let’s investigate…
Coffee is loaded with antioxidants and nutrients that can improve your health. Whether you drink regular or decaf, you get the same amounts of antioxidants. Coffee can help people feel less tired and increase energy levels. After you drink coffee, the caffeine is absorbed into the bloodstream, travels into the brain, and blocks an inhibitory neurotransmitter called Adenosine. After consumption, you are more alert.
It can also help you burn fat and improve physical performance. Caffeine is found in almost every commercial fat burning supplement and sends signals to the fat cells to break down body fat. It is even recommended that you drink a small cup of coffee 30 minutes prior to working out. Drink coffee and burn fat – we love it!
Coffee may lower your risk of Type II Diabetes, Alzheimer’s, dementia, Parkinson’s, liver disease, cancer, heart disease, and stroke – meaning coffee can potentially help you live longer.
It is also known to assist with making you happier and fight depression.
So what does coffee have to do with insurance? EVERYTHING! Whether it’s coffee or something else, the more foods and beverages you consume that a healthy, the more your chances increase of having a longer life. Our goal is to serve all of your insurance needs, but I focus is making sure you have an amazing, long, and healthy life. You should have that life insurance policy now, but we don’t want your family having to deal with it until WAY into the future.