Situation Critical: Consider Critical Illness Insurance now!

Critical Illness Insurance sure seems to be the orphaned waif of the planning process. It's out there in the cold - lonely and ignored. If it were tangible, surely it would reside on the Island of Misfit Toys.

Why is that? Here is a coverage that is a wonderful complement to so many planning opportunities and yet, nary a quote is requested from this office. The sheer mention of it being available turns a seasoned professional to putty, stammering in drone-step, "but I..." "but I..." "but I..." in trying to find reasons not to make his or her clients aware of this option.

What is it? It pays a CASH benefit to a client who's been diagnosed with cancer, heart attack, stroke, etc. Do you know anyone who's been diagnosed with cancer, had a heart attack or a stroke?

Why would someone want cash upon, say, a cancer diagnosis? Well, let's count the ways:

• to pay health care coinsurances, deductilbes or holes (think health insurance covers every last nickel of care? Ask someone with a cancer or heart claim and find out).




• to offset living expenses during recovery. Especially good for those who are underinsured for DI




• to provide "waiver of premium" for a DI policy's elimination period.




• to provide coverage for those who can't get a typical DI plan because of occupation.




• to pay for mortgage or other debt payments.

Want to learn more about it? Please let me know. Don't leave CI on the outiside of the planning process - bring it inside where it's warm and where your clients can benefit from its provisions.