Stroke – Susman

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

There are numerous insurance policies from you to choose from. From the serious to the not-so-serious, it can get extremely confusing trying to determine which policies work best for both your personal and professional life. One type of insurance that has been found to be extremely important is Critical Illness Insurance.

Critical illness Insurance is a policy that provides financial protection to individuals and may be purchased in conjunction with/in addition to life insurance. On a very basic level, Critical Illness Insurance allows a cash payment to be made to the policyholder in the event they are diagnosed with a specific illness – which is usually on a pre-determined list within the policy. The terms are defined within the policy and include specific rules regarding the diagnosis of a critical illness and any specific medical tests required to ensure validity.

The Critical illnesses covered within the policy varies between insurance companies. When Critical Illness Insurance was first offered, only four conditions were originally covered – heart attack, cancer, stroke and coronary artery by-pass surgery. Now other conditions that might be covered include: Alzheimer’s disease, blindness, kidney failure, organ transplant, multiple sclerosis, Parkinson’s disease, paralysis of limb, heart attack, cancer, and stroke. Again, the list of covered Critical Illness will be determined by the insurance company.

The cash payment from the insurance company to the policyholder can be used for paying for treatment, doctor visits, medication, medical supplies, bills, lost income, required change in lifestyle, financial protection for dependents, repayment of mortgage and additional items the policyholder bear as a financial burden due to a critical illness event.

So what happens if you or a loved one suffers from a heart attack this year? A stroke? Any other Critical Illness? Often times tis medical issues happened without any notice or symptoms – meaning you are unprepared for the situation and unprepared for the aftermath. Major medical insurance covers most of the fees involved, but not all. How will you cover the costs leftover from an unexpected medical event? Can you afford the out-of-pocket expenses? Wouldn’t it be relief to know that you could receive a CASH payment from your insurance company that will provide you with all the assistance you require?

Critical Illness Insurance offers a significant level of protection – protection that you can’t afford to live without.

critical-illness

Brandon Talks Critical Illness

Brandon Talks Critical Illness

Critical Illness Insurance – Too Important to Live Without

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