Many of us have life insurance Wholesale Hank Aaron Jersey , however, there are very few of us that are prepared for the effects of becoming ill to the point that we cannot work. This means that a serious illness could lead to losing homes, savings, and lifestyle, instead of worrying about recovery.
Studies have shown that most Americans do not have the protection from costs that come about when surviving a serious event. Due to these facts, Assurity Life Insurance has deemed October to be “Critical Illness Insurance Awareness Month.”
Ken Smith, the Director of Health Products at Assurity Life explains, “For most of the 20th century, when someone was diagnoses with cancer, or suffered a heart attack or stroke, that person died. They needed life insurance for their family. With the advances in the early 21st century, more and more people survive, but the financial consequences of survival can be devastating. These people still need life insurance in the 21st century, but along with new modern planning strategies, they also need critical illness coverage.” This new push to educate the masses during the month of October is only part of a larger effort by the industry to educate people about how they can be better prepared for the financial implications of illnesses.
Illness Can (And Will) Affect Your Health Financially
Some life-threatening conditions can change your life in seconds: if you were diagnosed tomorrow with cancer Wholesale Greg Maddux Jersey , and the only specialist lives across the country, you would have to pay for travel, hotels, and other necessities out-of-pocket. This is in addition to the hundreds of thousands of dollars in medical bills that your insurance company may or may not cover. If you can’t work, especially, it can be terrifying to realize that all the bills and costs of treatment will add up.
Disability Isn’t the Way Out:
For some people, the above scenario is real. In the United States, half of all bankruptcies are directly because of illness. Most people just assume that the disability coverage will help them through this tough time- at least until they realize that their policy takes up to three months to kick in; due to the high cost of medical care, three months could be a million years- as the $10,000 may not even last through the first few weeks.
Will Critical Illness be the Rescue?
Before you start to panic, though, let us tell you about a South African surgeon; Dr. Marius Barnard is famous for his part in the world’s first heart transplant. Dr. Barnard felt disgust with how medical bills could cause his patients to be pushed to debt and, as a result, could affect their recovery. So, he decided to do something to change it: critical illness insurance- a coverage that pays out a full lump sum when you are diagnosed with a condition that is outlined in your policy.
Spread the Word:
Though it is currently offered in 54 countries and has gotten more popular in the recent years Wholesale John Smoltz Jersey , most Americans have no idea what critical illness insurance is. This is only one of the reasons why Americans need a designated Critical Illness Awareness Month- as it gives a larger push to educate consumers.
Over 75% of people over the age of 40 are diagnosed with a critical illness at some point. If these individuals had an extra twenty-to-one-hundred thousand dollars, then they might be able to make a full, fast recovery without being worried about finances. Following a devastating diagnosis, your critical illness policy can provide the extra money that you need to close the gap. This is an under-appreciated safety net that is able to keep you and your family safe from the devastation that a critical diagnosis can bring.
These risks are scary enough, which makes the month of October the perfect opportunity to educate the ones that need to hear about this the most.

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