The Risk of Survival Is a Reality         
   Did You Know.................

  Ø About 5.8 million stroke survivors are alive today, many of them with permanent stroke-related disabilities

  Ø  The average male has a 16% chance of developing leukemia before the age of 40.

  Ø  In 2009, about 1.2 million Americans suffered a heart attack — and nearly 62% survived

  Ø  In 2009, 1.4 million Americans were expected to be diagnosed with cancer — 
       AND 64% were expected to survive at least five years 
 Ø The Cost of Surviving In 2005, cardiovascular disease cost Americans $393.5 billion — 
        the equivalent of $1,327 for each  man, woman and child in the country.

  Ø  About 50% of bankruptcies are medically related.

  Ø  In 2004, the costs surrounding cancer averaged $29,805 per patient. It's a Lot more now, 7 years later. 

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Critical Illness ~ A Broad Range of Coverage
A Critical Care Policy pays a Lump-Sum Cash benefit Upon Diagnosis of one of numerous conditions most    
likely to cause major lifestyle changes.  (You choose the amount; Such as: $15,000,  $25,000,  $50,000, etc.)
ü  Cancer ~ 100%
ü  Heart attack ~ 100%
ü  Stroke ~ 100%
ü  Coma ~ 100%
ü  In situ cancer ~ (25%; up to $25,000 one time benefit under the base policy)
ü  Coronary artery bypass ~ (25%; up to $50,000 one time benefit under the base policy)
ü  Kidney (renal) failure ~ 100%
ü  Severe burns ~ 100%
ü  Paralysis only payable once per lifetime; 100% for quadriplegia, 50% for paraplegia, 50% for hemiplegia
ü  Loss of sight, speech, or hearing
ü  Occupational HIV (medical professionals only)
ü  Major organ transplant (25% upon listing with UNOS, 75% at the time of actual transplant) Loss of independent living

         Help to Cover ALL the Costs

      Being diagnosed with a critical illness can generate costs far beyond medical expenses —
      costs that may not be covered by your traditional health plan.  Critical illness insurance can help
      cover the costs associated with a critical illness diagnosis, which may help leave your retirement
      and family savings intact.

* Meet mortgage payments      * Explore experimental treatments     * Replace Lost income    * Deductibles    
* Co-pays      * Choose alternative medical treatments     * Modifications to the home   * Lifestyle changes
* Policy exclusions: (such as experimental treatments)     * Increased financial responsibilities
* Out-of-network medical costs     * Pay personal or business debts     * Access to Best Doctors            

* Address increased financial responsibilities     * Compensate for lost income     * Adapt to lifestyle changes         

* Pay deductibles, co-pays, and out-of-network charges       * Travel to out-of-state facilities for treatment                

 These are inexpensive but very Important policies!   
 One has an 86% chance of one of the Major 4 illness's ~ Don't let it leave you broke financially too.