“This whole insurance thing is just a way to separate me from my paycheck. The chances of me being disabled or having a critical illness are pretty slim, right?”
There are a lot of people who think that way, but the answer isn’t a simple yes or no. Critical illness can strike anyone as well. Heart disease, cancer and diabetes know no bounds. What are you willing to bet that anything won’t happen to you? Your life savings; your home; your paychecks for the rest of your career? A Critical Illness Coverage Policy will keep you from having to lose any of those.
The truth is, critical illnesses like diabetes, heart disease and cancer don’t just happen to other people’s relatives, they happen in families where there was no history of the disease before. Day after day I meet more people who have become diabetic or have cancer. Although chronic illness doesn’t always lead to disability, quite often the expenses from cancer and heart disease can devastate a family financially.
Take for example two of my friends; cancer survivors so far. Both are on the other side of the chemo and radiation treatments, but they are left with a lot of bills to pay. One had bone cancer of in her jaw and then had to have lymph nodes removed and the other has ovarian cancer. Although both are in remission at this point, they are both struggling to get back on their feet after their treatments. The time they had to take off work for treatments and the added uncovered expenses left them both having to deplete their savings. Now, rather than recovering they are both worrying about making up those lost wages and expenses. Not only has the cancer made their lives more difficult but it has nearly left them financially ruined. I can only imagine a Critical Illness Coverage policy would have saved them that worry had they known before.
Look around at your circle of friends and see how many people you know who are going through or have survived a critical illness. Chances are you know more than one. Call an AC Financial Adviser at 800-564-3136 to talk about protecting your income.
