I’ve heard it said that the average emergency fund should be at least three months income, if not six. For most people saving the extra money is next to impossible. The mortgage, car payment, insurances and utilities eat up their paychecks and the idea of just saving for vacation is daunting. Bills aside, what if the paychecks suddenly weren’t there? What if your ability to earn a paycheck was taken away from you by an illness or accident?
You work hard for what you have. You’ve spent your lifetime building what you have; your home, your assets, your retirement and insurances. All of a sudden you find yourself without an income because of a critical illness or a disabling accident. Though you have good health insurance coverage, you’re faced the burdens of deductibles and co-insurances. The debts start to add up. Where do you turn?
When you look financially at what you need to cover your expenses and add in the medical bills, costs can add up quickly. AC Financial has a solution in its Group Plan. The plan offers affordable income protection that pays benefits directly to you. You can use the money for whatever you choose. You get to decide whether you will pay medical expenses, replace your income or pay household bills. You also get to choose the coverage you want so that your needs are met, and it fits into any budget.
No one wants to think that a critical illness or disabling accident will ever happen to them. The truth is every day I hear of another friend or relative who is diagnosed with cancer, has a heart attack or had a stroke. I know I’m not the only one. I’m sure any of us with a circle of friends or close family members can look around to see someone within arms length. Do I think it will happen to me? I pray it doesn’t, but I’m not beyond believing it will.
Call your AC Financial Adviser at (877) 435-2283 to learn more about how an AC Financial Group Plan can work for you. It is the one thing you hope you never need, but if you do you’re grateful you have.