Critical Illness. Learn How a Serious Illness Can Cost You Much More Than What Your Health Insurance Covers. According to a Harvard University study

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Critical Illness. Learn How a Serious Illness Can Cost You Much More Than What Your Health Insurance Covers. According to a Harvard University study"

Transcription

1 Critical Illness Learn How a Serious Illness Can Cost You Much More Than What Your Health Insurance Covers According to a Harvard University study [each year] more than 1.5 million American households must borrow money from their home equity and their retirement savings to pay for expenses related to a critical illness like cancer that are not covered by their health insurance. [in fact] 700,000 families and individuals of all ages are actually forced into bankruptcy by these debts. [for example] According to the American Cancer Society 3,000 people are diagnosed with cancer - every day. But as much as 60%

2 of cancer related expenses are typically not covered by ordinary health insurance including many "new therapies and experimental treatments or medical procedures as well as fees for specialists or clinics that are not within the approved network. [what's more] Health insurance does not cover extended convalescence and home nursing care or assistance with housekeeping cooking, cleaning and childcare or the loss of earned income while the patient recuperates from surgery [and] struggles through chemotherapy or radiation treatments. But all these expenses can cost thousands of dollars over months or even years of treatment and recovery. So what's the solution? $50,000 / $100,000 / $200,000 [or more] use 2 nd example by chuck

3 paid directly to you tax free in addition to your health insurance coverage [and] usually within 20 to 30 days of reporting a doctor's diagnosis that you have any one of several major medical conditions [like] cancer / heart disease / stroke / kidney failure / blindness / paralysis / [even] Alzheimers / [or] Parkinsons The solution is Critical Illness insurance supplemental coverage for expenses not covered under your health insurance. [and] Here's how it works. The money you receive from Critical Illness insurance is in addition to any other coverage you have or other benefits you might receive. And this money can be spent however you choose to pay for medical expenses or non medical expenses even if those expenses are not directly related to your illness. [for example] If you cannot work during your illness you can use the money to pay your bills

4 or pay off your home mortgage / your car loans / [or] your credit cards. Critical Illness coverage gives you options that you don't have under your health insurance. Options that can improve the quality of care available to you [because] Critical Illness coverage enables you to pay for alternative therapies and in home nursing or convalescent care that are not covered by your insurance or doctors and clinics that are not in your insurance network. [and] Critical Illness insurance can prevent you from using up your savings going into debt or forcing you into bankruptcy. It can protect your home equity and your retirement accounts too. It can also keep you from needing to ask family or friends for financial assistance.

5 Just ask anyone you know who has personally suffered through a critical illness [like cancer]. Ask them how much of it was NOT covered by their health insurance and what a difference an additional $100,000 would have meant to them. [for example] Larry and Anne were in their mid 40s with 2 teenage daughters when Anne was diagnosed with breast cancer in They both had good health insurance through their employers but they also had $100,000 of Critical Illness coverage which they used to pay for expenses that were not covered under their company health plans. Because Anne survived her breast cancer but she was out of work

6 for more than a year and after she used up all her sick days and her vacation time her disability benefits paid less than 40% of her salary. [what's more] In addition to losing 60% of her income they also had $ 42,000 of other expenses hat were not covered by their health insurance. So if they didn't have Critical Illness coverage they would have been forced to withdraw the money from their retirement savings which would have reduced their retirement income by almost 40%. So ask yourself this... With cancer striking one out of every three people does it make sense to risk your financial security your home and your savings even your retirement to pay for expenses

7 that are not covered by your health insurance? Or does it make better sense to add Critical Illness coverage to your current health insurance? And prevent the need to use up your savings or borrow money from your home equity and your retirement accounts?

Attitude. Expectations. What is Critical Illness Insurance? The Shoe Salesman

Attitude. Expectations. What is Critical Illness Insurance? The Shoe Salesman Attitude The Shoe Salesman Expectations What is Critical Illness Insurance? It is insurance that pays a lump-sum benefit at the diagnosis of a covered condition. 1 Purpose Critical Illness Insurance was

More information

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review If a serious illness strikes, how will you protect your assets and lifestyle from financial hardship? Table of Contents Page Your

More information

The services I provide my clients

The services I provide my clients The services I provide my clients FOUR CORNERSTONES OF FINANCIAL SECURITY Liquidity Wealth creation and management Living Benefits Retirement Wealth protection Estate Planning What is a critical illness?

More information

Critical Care Insurance - strong medicine to help you recover financially stress-free from a diagnosis of a Critical Illness

Critical Care Insurance - strong medicine to help you recover financially stress-free from a diagnosis of a Critical Illness With a diagnosis of a Critical Illness, the last thing you need to be worried about is your financial health. RX: A dose of extra cash to spend any way you want. In many cases, health insurance just isn

More information

Personal insurance. What is insurance? What is personal insurance? Life insurance. Fact sheet

Personal insurance. What is insurance? What is personal insurance? Life insurance. Fact sheet Fact sheet Personal insurance Current as at 15 April 2012 What is insurance? Insurance is an agreement with an insurance company to pay you a sum of money if something is damaged or lost. It is form of

More information

Facing the challenges of CRITICAL ILLNESS

Facing the challenges of CRITICAL ILLNESS Facing the challenges of CRITICAL ILLNESS INTRODUCTION What is insurance? In life, we are all faced with threats which, if they occurred, would result in financial loss Insurance is the process of protecting

More information

HEALTH INSURANCE. Family, Home, Career... and your Health. You have it all and want to protect it

HEALTH INSURANCE. Family, Home, Career... and your Health. You have it all and want to protect it HEALTH INSURANCE Family, Home, Career... and your Health You have it all and want to protect it Does this sound like you? More than ever before women are: Leaders, fully in-charge of their dreams and destinies

More information

Critical Illness Insurance

Critical Illness Insurance Advances in lifestyle and medical technology have greatly increased your chances of surviving a critical illness. But can you survive financially? Keep in mind that your regular bills, loans, tuition,

More information

Living benefits. Oasis. A look at critical illness insurance claims

Living benefits. Oasis. A look at critical illness insurance claims Living benefits solutions Oasis A look at critical illness insurance claims People are living longer. If you experience a critical illness, you re now more likely to survive it and live for many years.

More information

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review If a serious illness strikes, how will you protect your assets and lifestyle from financial hardship? Prepared for: Your Client

More information

Critical Illness Insurance. Simplified Second Chance 6 covered illnesses and surgeries

Critical Illness Insurance. Simplified Second Chance 6 covered illnesses and surgeries Critical Illness Insurance Simplified Second Chance 6 covered illnesses and surgeries Simplified Second Chance Covers added expenses that come along with a critical illness Being diagnosed with cancer,

More information

Optional Group Critical Illness. Financial support at a critical time

Optional Group Critical Illness. Financial support at a critical time Optional Group Critical Illness Financial support at a critical time Medical advances have greatly increased the ability of Canadians to survive a critical illness. However, few of us are prepared for

More information

Disability and Critical Illness Insurance

Disability and Critical Illness Insurance Disability and Critical Illness Insurance What Do You Really Need? By Margot Bai www.spendsmarter.ca margot@spendsmarter.ca March 3, 2007 Disability and Critical Illness Insurance by Margot Bai Page 1

More information

Critical Illness Insurance. Simplified Second Chance 6 covered illnesses and surgeries

Critical Illness Insurance. Simplified Second Chance 6 covered illnesses and surgeries Critical Illness Insurance Simplified Second Chance 6 covered illnesses and surgeries Simplified Second Chance Covers added expenses that come along with a critical illness Being diagnosed with cancer,

More information

The affordable way to pay for healthcare expenses not covered by your regular health insurance

The affordable way to pay for healthcare expenses not covered by your regular health insurance The affordable way to pay for healthcare expenses not covered by your regular health insurance America s #1 option for individuals and families that have a $2,000 health insurance deductible or more Enroll

More information

Critical Illness Insurance Essential protection for a new era

Critical Illness Insurance Essential protection for a new era Specialists in tax advantaged benefit plans for small business owners & key individuals Long Term Care Disability CI Health/HSA s Dental Supplemental Life Annuities Critical Illness Insurance Essential

More information

Your critical illness protection plan

Your critical illness protection plan Your critical illness protection plan It could happen to you It is estimated there are over 70,000 heart attacks in Canada each year. There are between 40,000-50,000 strokes in Canada each year. An estimated

More information

Critical Illness Insurance

Critical Illness Insurance Choosing to plan for sudden illness Can your finances survive a serious illness? Maybe it s happened to someone you know. A sudden illness such as a heart attack or stroke with devastating physical and

More information

Critical Illness Insurance. Second Chance for Children 30 days to 17 years

Critical Illness Insurance. Second Chance for Children 30 days to 17 years Critical Illness Insurance Second Chance for Children 30 days to 17 years Second Chance for Children Protect your children in case of critical illness so you can afford to stay by their bedside If one

More information

Group Critical Illness Insurance

Group Critical Illness Insurance Group Critical Illness Insurance together we re there Group Benefits www.sunlife.ca my wellness my plan An integral part of a comprehensive benefits plan Everyone knows someone who has suffered a serious

More information

Assurant Supplemental Coverage

Assurant Supplemental Coverage TEXAS Assurant Supplemental Coverage Plans that pay cash benefits right to you Time Insurance Company Assurant Health is the brand name for products underwritten and issued by Time Insurance Company. Cash

More information

Critical Illness Insurance. What is Critical Illness Insurance

Critical Illness Insurance. What is Critical Illness Insurance Critical Illness Insurance What is Critical Illness Insurance Whereas life insurance has been readily available for literally hundreds of years, critical illness insurance is a relatively recent development.

More information

TO UNDERSTANDING ACCIDENT & CRITICAL ILLNESS INSURANCE

TO UNDERSTANDING ACCIDENT & CRITICAL ILLNESS INSURANCE 3 STEPS TO UNDERSTANDING ACCIDENT & CRITICAL ILLNESS INSURANCE What s Inside Step 1: What What are accident and critical illness insurance products? 4 Step 2: How How do accident and critical illness insurance

More information

Critical Illness Insurance. Second Chance for Children 30 days to 17 years

Critical Illness Insurance. Second Chance for Children 30 days to 17 years Critical Illness Insurance Second Chance for Children 30 days to 17 years Second Chance for Children Protect your children in case of critical illness so you can afford to stay by their bedside If one

More information

Though not a pleasant thought it's important to think about this: when you die, who will you leave behind?

Though not a pleasant thought it's important to think about this: when you die, who will you leave behind? Personal insurance There are many risks you face during your lifetime, but the most serious ones you will face are death, disability, serious illness and/ or medical intervention (surgery). These can happen

More information

Living Benefit Plans

Living Benefit Plans Living Benefit Plans What is Critical Illness Insurance? Critical Illness Insurance pays a lump sum Benefit upon diagnosis of a covered condition, such as, heart attack, cancer and stroke. History Origins

More information

How to Avoid Overpaying For Your:

How to Avoid Overpaying For Your: How to Avoid Overpaying For Your: Mortgage Life Insurance and Mortgage Critical Illness Insurance By: Terry Bialek Congratulations! You ve just bought a new house or condominium and you ve arranged a mortgage

More information

vital link Critical Illness Insurance It s about living your life Your guide to Critical Illness Insurance

vital link Critical Illness Insurance It s about living your life Your guide to Critical Illness Insurance vital link Critical Illness Insurance It s about living your life Your guide to Critical Illness Insurance You really feel like you re on the right track. Your life seems to be going just as you planned.

More information

A Shoppers Guide to Cancer Insurance

A Shoppers Guide to Cancer Insurance A Shoppers Guide to Cancer Insurance Should You Buy Cancer Insurance? Cancer Insurance is not a Substitute for Comprehensive Coverage Caution: Limitations on Cancer Insurance Many policies promise to

More information

A Mortgage Insurance Plan designed specifically with you the Mortgage Broker in Mind

A Mortgage Insurance Plan designed specifically with you the Mortgage Broker in Mind A Mortgage Insurance Plan designed specifically with you the Mortgage Broker in Mind Unique Coverage approach with competitive premiums No paperwork using our Internet Delivery System Increase revenue

More information

CAREGIVER NEEDS QUESTIONNAIRE

CAREGIVER NEEDS QUESTIONNAIRE CAREGIVER NEEDS QUESTIONNAIRE Caregiver Information Study ID Number: Initials: First/MI/Last What is your relationship with the patient? (Check one.) Spouse or partner Son or daughter Brother or sister

More information

Flexible Protection Plan. Protecting your lifestyle and family with one simple plan

Flexible Protection Plan. Protecting your lifestyle and family with one simple plan Flexible Protection Plan Protecting your lifestyle and family with one simple plan Contents Introduction Income Protection Life Protection Critical Illness Protection Protection with a heart Extra things

More information

American General LTC SM Insurance and Critical Illness PlusSM

American General LTC SM Insurance and Critical Illness PlusSM Bob Clancy, CLTC National Director Sales Development LTCi & A&H American General LTC SM Insurance and Critical Illness PlusSM FOR AGENT USE ONLY NOT FOR DISSEMINATION TO THE PUBLIC 0 It s not your classic

More information

Flexible Mortgage Protection

Flexible Mortgage Protection 10 % Flexible Mortgage Protection with Life Insurance Product issued by Life Insurance Company of the Southwest 62686 MK2272(1112) TC6896(0612) Protect your home, family and income all in one policy A

More information

Your guide to ADDITIONAL VOLUNTARY BENEFITS

Your guide to ADDITIONAL VOLUNTARY BENEFITS Your guide to ADDITIONAL VOLUNTARY BENEFITS What s Inside Life Insurance... P2 Disability Insurance... P2 Long-Term Care Insurance... P3 Personal Insurance...P3 Auto/Homeowner s/renter s/pet Insurance...

More information

Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid.

Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid. Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid. WHAT IS INSURANCE? It s simply the transference of a risk from yourself to the Insurer. By paying the

More information

Understanding Critical Illness Insurance Health insurance that provides a lump-sum payment should you become seriously ill.

Understanding Critical Illness Insurance Health insurance that provides a lump-sum payment should you become seriously ill. Financial Services Commission of Ontario Understanding Critical Illness Insurance Health insurance that provides a lump-sum payment should you become seriously ill. What is critical illness insurance?

More information

HOME PROTECTION PLAN MORTGAGE INSURANCE. Mortgage Insurance. that is Custom Built to Meet Your Needs

HOME PROTECTION PLAN MORTGAGE INSURANCE. Mortgage Insurance. that is Custom Built to Meet Your Needs HOME PROTECTION PLAN MORTGAGE INSURANCE Mortgage Insurance that is Custom Built to Meet Your Needs Mortgage Insurance that is Custom Built to Meet Your Needs Your mortgage insurance should offer you sufficient

More information

Compass Critical Illness Insurance A limited benefit policy

Compass Critical Illness Insurance A limited benefit policy Compass Critical Illness Insurance A limited benefit policy Enrollment at a Glance An affordable way to help protect against the financial stress of a serious illness. For the employees of: Clean Harbors

More information

Personal Insurance. Do I need Trauma cover? a safety. to help get you back on track

Personal Insurance. Do I need Trauma cover? a safety. to help get you back on track Personal Insurance Do I need Trauma cover? a safety to help get you back on track Being able to focus on your recovery after suffering a traumatic event is going to be your primary concern. Having trauma

More information

LONG-TERM CARE INSURANCE

LONG-TERM CARE INSURANCE Personal LONG-TERM CARE INSURANCE Questionnaire I. PERSONAL GOALS These are some of the primary reasons people buy Long-Term Care insurance. Do these apply to you? I consider it important to be able to

More information

INSURANCE. Your Insurance. Understanding premiums and options to manage the cost. The real value of your insurance. Making sure it s up to date

INSURANCE. Your Insurance. Understanding premiums and options to manage the cost. The real value of your insurance. Making sure it s up to date INSURANCE Your Insurance Understanding premiums and options to manage the cost The real value of your insurance Making sure it s up to date Contents Understanding your health insurance Page 4 Now is a

More information

Additional General Information regarding Personal Protection

Additional General Information regarding Personal Protection Additional General Information regarding Personal Protection Information regarding the research we used The research house we subscribe to regarding personal protection is Omnium. In a separate document

More information

Now is the right time to take control of your future. An Informative Brochure by Standard Life and Accident Insurance Company PB-PORT02R07

Now is the right time to take control of your future. An Informative Brochure by Standard Life and Accident Insurance Company PB-PORT02R07 Now is the right time to take control of your future. An Informative Brochure by Standard Life and Accident Insurance Company PB-PORT02R07 Plan Well, Live Well, Retire Well Standard Life and Accident Insurance

More information

FACT SHEET. Critical Illness Insurance. What is Critical Illness Insurance? How Much Critical Illness Insurance Do I Need?

FACT SHEET. Critical Illness Insurance. What is Critical Illness Insurance? How Much Critical Illness Insurance Do I Need? Critical Illness Insurance What is Critical Illness Insurance? Critical Illness insurance was developed by a heart surgeon, Dr. Marius Barnard, in 1983 when he realized that the recovery of many of his

More information

The 2015 Self-Assessment Guide For Long Term Care Insurance

The 2015 Self-Assessment Guide For Long Term Care Insurance The 2015 Self-Assessment Guide For Long Term Care Insurance A JOINT PUBLICATION BY: SHIP State Health Insurance Assistance Program And Indiana Partnership Long Term Care Insurance Program Both of the Indiana

More information

Your Insurance. Making sure it s up to date. Understanding premiums and options to manage the cost. The real value of your insurance

Your Insurance. Making sure it s up to date. Understanding premiums and options to manage the cost. The real value of your insurance Your Insurance Understanding premiums and options to manage the cost The real value of your insurance Making sure it s up to date Contents Understanding your health insurance Understanding your life and

More information

Are You. Totally Protected?

Are You. Totally Protected? Are You Totally Protected? USABG Eagle Division Total Protection Plus Plan THANKS FOR THE INTEREST IN OUR HEALTH PLAN ARE YOU TOTALLY PROTECTED? USA Benefits Group's Eagle Division has had the honor of

More information

Are You Protecting Your Income?

Are You Protecting Your Income? Individual Disability Income Insurance Your Lifestyle and Retirement Dreams Depend on Your Ability to Work and Earn an Income Are You Protecting Your Income? the importance of your INCOME and protecting

More information

s u p p l e m e n t a l s o l u t i o n s s c h e d u l e o f b e n e f i t s p l a n

s u p p l e m e n t a l s o l u t i o n s s c h e d u l e o f b e n e f i t s p l a n s u p p l e m e n t a l s o l u t i o n s s c h e d u l e o f b e n e f i t s p l a n c o v e r a g e f o r : c a n c e r h e a r t at t ac k s t r o k e w i t h 1 0 0 % r e t u r n o f p r e m i u m ava

More information

dental or vision care / life insurance / disability income / critical illness / long term care / [or] retirement savings.

dental or vision care / life insurance / disability income / critical illness / long term care / [or] retirement savings. 66 Voluntary Benefits Learn How to Give Your Employees the Benefits They Want Without Any Cost to Your Business With the cost of health coverage going up every year most business owners cannot afford to

More information

A Guide to Serious Illness Cover Creating your success through Financial Planning

A Guide to Serious Illness Cover Creating your success through Financial Planning & Guidance A Guide to Serious Illness Cover Contents How would the sudden onset of a serious illness impact my 02 financial wellbeing? What is serious illness cover? 03 What are the key causes of serious

More information

Critical Care. Providing comfort whatever happens

Critical Care. Providing comfort whatever happens Critical Care Providing comfort whatever happens Critical Care Providing comfort whatever happens With rapid advances in medical research and treatments, the chances of surviving a serious medical condition

More information

DISABILITY INCOME INSURANCE. Preparing for the Unexpected balancing your life and disability protection

DISABILITY INCOME INSURANCE. Preparing for the Unexpected balancing your life and disability protection DISABILITY INCOME INSURANCE Preparing for the Unexpected balancing your life and disability protection * PROTECT YOUR INCOME PROTECT WHAT MATTERS MOST working for you. At MetLife we re working hard when

More information

Symbility Health Adjudicare Group Insurance Plan Outline

Symbility Health Adjudicare Group Insurance Plan Outline Symbility Health Adjudicare Group Insurance Plan Outline 2013 Symbility Solutions Inc. Who is Eligible? All Eligible Employees under the age of 65, working a minimum average of 15 hours per week are Eligible

More information

A Guide to Critical Illness Insurance

A Guide to Critical Illness Insurance A Guide to Critical Illness Insurance This guide about Critical Illness cover is designed to help you decide if this is a suitable product for you. It aims to help by answering the following questions:

More information

INNOVATIVE 5-STAR SERIOUS ILLNESS COVER

INNOVATIVE 5-STAR SERIOUS ILLNESS COVER INNOVATIVE 5-STAR SERIOUS ILLNESS COVER FROM VITALITYLIFE VITALITY.CO.UK/LIFE YOU RE UP TO TWICE 1 AS LIKELY TO GET A PAYOUT FROM OUR SERIOUS ILLNESS COVER THAN YOU ARE FROM A TYPICAL CRITICAL ILLNESS

More information

Unbreak my heart: The crippling effect of health struggles on your finances

Unbreak my heart: The crippling effect of health struggles on your finances April 10th, 2013 by Ardent Financial Group Unbreak my heart: The crippling effect of health struggles on your finances The critical role of critical illness insurance in protecting your finances during

More information

Your HEALTH Your WEALTH Your TIME. Commerce] Benefits

Your HEALTH Your WEALTH Your TIME. Commerce] Benefits Your HEALTH Your WEALTH Your TIME [ Commerce] Benefits At Commerce Bank, our people are our number one asset. Together we create the Commerce Bank culture, and through our actions we demonstrate what it

More information

MedGuard Critical Illness Insurance

MedGuard Critical Illness Insurance MedGuard Critical Illness Insurance Exclusively marketed by: TM MedGuard-BR-FL-FLIC-0410 Quality Coverage When You Need It Most MedGuard Although nobody likes to think about it, the possibility of being

More information

How much insurance cover?

How much insurance cover? How much insurance cover? We consider life and TPD insurance coverage to be family protection it is about protecting your family. Life Insurance The purpose of life insurance is to provide your dependants

More information

A CONSUMER'S GUIDE TO CANCER INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE

A CONSUMER'S GUIDE TO CANCER INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A CONSUMER'S GUIDE TO from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE IMPORTANT INFORMATION WHAT IS? Cancer insurance provides benefits only if you are diagnosed with cancer, as defined

More information

How will you be able to pay your student loans if you become sick or injured?

How will you be able to pay your student loans if you become sick or injured? How will you be able to pay your student loans if you become sick or injured? Introducing... Medical ValueGuard Own-Occupation Disability Protection For Your Student Loans You have invested countless hours

More information

Why CI? Critical Illness Protection from Transamerica for a Broader Spectrum of Coverage

Why CI? Critical Illness Protection from Transamerica for a Broader Spectrum of Coverage Why CI? Critical Illness Protection from Transamerica for a Broader Spectrum of Coverage What is Critical Illness Protection? Critical Illness Protection is a form of insurance that provides you with a

More information

now can protect their future

now can protect their future Life SmartLife your decisions now can protect their future they re in good hands life we re in it together hello Asteron is one of Australia and New Zealand s largest financial services providers with

More information

Doctors of BC Critical Illness Insurance

Doctors of BC Critical Illness Insurance Doctors of BC Critical Illness Insurance CI Critical Illness Insurance Have greater control over the impact a serious illness may have on your life. As a doctor, you ve likely witnessed patients trying

More information

SHOULD I BUY LONG-TERM CARE INSURANCE?

SHOULD I BUY LONG-TERM CARE INSURANCE? SHOULD I BUY LONG-TERM CARE INSURANCE? Our children think we should buy long-term care insurance, but we re not sure it s worth the cost. Nancy and Todd married for 46 years Planning for when you can no

More information

THE KELLY SHIRES FINANCIAL ASSISTANCE PROGRAM OF THE QUEBEC BREAST CANCER FOUNDATION Detailed application instructions

THE KELLY SHIRES FINANCIAL ASSISTANCE PROGRAM OF THE QUEBEC BREAST CANCER FOUNDATION Detailed application instructions THE KELLY SHIRES FINANCIAL ASSISTANCE PROGRAM OF THE QUEBEC BREAST CANCER FOUNDATION Detailed application instructions 1. Program objective... p.2 2. Eligibility.... p.2 3. Eligible expenses p.2 4. Documents

More information

Critical Illness Insurance

Critical Illness Insurance You ve protected your family s financial future by purchasing life and health insurance. Critical Illness Insurance It s cash when you need it. You choose how to spend it. So you can focus on getting well.

More information

Danbury Public Schools 63 Beaver Brook Rd. Danbury, CT 06810. 2. Family Member s Name (if different from employee):

Danbury Public Schools 63 Beaver Brook Rd. Danbury, CT 06810. 2. Family Member s Name (if different from employee): 1. Employee s Name: 2. Family Member s Name (if different from employee): 3. The attached sheet describes what is meant by a serious health condition under the Family and Medical Leave Act. Does the patient

More information

If I were no longer around, who would pay my mortgage?

If I were no longer around, who would pay my mortgage? If I were no longer around, who would pay my mortgage? Let us help you create a mortgage protection plan to protect you and your most valuable asset. Mortgage life insurance protection Your house is your

More information

Critical Illness Supplemental Insurance

Critical Illness Supplemental Insurance You ve protected your family s financial future by purchasing life and health insurance. Critical Illness Supplemental Insurance It s cash when you need it. You choose how to spend it. So you can focus

More information

LIFE AND MEDICAL. Now s a good time to review your insurance

LIFE AND MEDICAL. Now s a good time to review your insurance LIFE AND MEDICAL Now s a good time to review your insurance Your medical cover The medical component of your policy is now underwritten by nib New Zealand. OnePath continues to manage your medical policy

More information

1 Life insurance. Life Insurance. moneydeals

1 Life insurance. Life Insurance. moneydeals 1 Life insurance Life Insurance moneydeals 2 Life insurance Contents Intro What is life insurance? What types of cover are available? Term insurance Critical illness insurance Income protection Family

More information

A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. Health Insurance

A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. Health Insurance A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE The of Health Insurance THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH INSURANCE IMPORTANT? Even if you are in GOOD HEALTH, you will need to

More information

For the Employees of Amarillo Independent School District. Critical Illness Insurance. A limited benefit policy

For the Employees of Amarillo Independent School District. Critical Illness Insurance. A limited benefit policy For the Employees of Amarillo Independent School District Critical Illness Insurance A limited benefit policy A critical illness isn t polite. It doesn t announce its presence before barging into your

More information

Protecting your family with insurance: How RBC Royal Bank can help

Protecting your family with insurance: How RBC Royal Bank can help Insurance Protecting your family with insurance: How RBC Royal Bank can help At RBC Royal Bank, we know that you ve worked hard to get here and build a new life. Insurance helps protect what you have from

More information

Do I really need critical illness cover? A guide to protect against the financial impact of a critical illness

Do I really need critical illness cover? A guide to protect against the financial impact of a critical illness Do I really need critical illness cover? A guide to protect against the financial impact of a critical illness What's inside 2 Cancer survival rates 5 Survival rates are improving 6 Coping with a critical

More information

Critical Illness Insurance

Critical Illness Insurance You ve protected your family s financial future by purchasing life and health insurance. Critical Illness Insurance It s cash when you need it. You choose how to spend it. So you can focus on getting well.

More information

17 Personal HSA. Learn How You Can Reduce the Cost of Your Health Insurance and Pay for ALL Your Health Care with Tax Free Dollars

17 Personal HSA. Learn How You Can Reduce the Cost of Your Health Insurance and Pay for ALL Your Health Care with Tax Free Dollars 17 Personal HSA Learn How You Can Reduce the Cost of Your Health Insurance and Pay for ALL Your Health Care with Tax Free Dollars According to the Agency for Healthcare Research low deductibles and small

More information

Individual Income Protection. When you protect your income, you protect what matters most.

Individual Income Protection. When you protect your income, you protect what matters most. Individual Income Protection When you protect your income, you protect what matters most. What s your most valuable asset? You may think that your home, car, or investment account is the most valuable

More information

FURMAN UNIVERSITY. Special Benefits Open Enrollment April 14, 2015 April 24, 2015

FURMAN UNIVERSITY. Special Benefits Open Enrollment April 14, 2015 April 24, 2015 FURMAN UNIVERSITY Special Benefits Open Enrollment April 14, 2015 April 24, 2015 Dear Furman University Faculty and Staff, At Furman University, we believe your benefits make a difference to you, your

More information

LIFE INSURANCE FOR THE LIVING! An Authorised Financial Services Provider Item No: 992283 Feb06

LIFE INSURANCE FOR THE LIVING! An Authorised Financial Services Provider Item No: 992283 Feb06 LIFE INSURANCE F THE LIVING! An Authorised Financial Services Provider Item No: 992283 Feb06 Life insurance for the living! With the FNB Living Facility, you don't have to die to benefit - we will reward

More information

Protection for you, your finances & your future!

Protection for you, your finances & your future! Group Critical Illness Insurance Protection for you, your finances & your future! AGENDA Who is ACE BCCA s new AD&D The Need for Critical Illness The BCCA CI Program How is the product different Policy

More information

A simple guide to Life Insurance

A simple guide to Life Insurance A simple guide to Life Insurance Your guide to Life, Income Protection, Trauma, and Total & Permanent Disability Insurance. Lifebroker Pty Ltd ABN 92 083 177 011 Introduction Why do I need personal insurance?...

More information

Critical illness. Don't wait to discover what life. has in store. Plan now for your future. and for that of those you love. For you and your children

Critical illness. Don't wait to discover what life. has in store. Plan now for your future. and for that of those you love. For you and your children Peace of mind today and tomorrow Don't wait to discover what life has in store. Plan now for your future and for that of those you love For you and your children CRITICAL ILLNESS This coverage is invaluable

More information

Life and protection insurance explained

Life and protection insurance explained protection? Life and protection explained A guide to personal and family protection This guide explains the types of life and protection available and how they can offer you valuable peace of mind. If

More information

Ensuring your quality of life

Ensuring your quality of life Ensuring your quality of life Rightway Insurance Services is a personal risk insurance specialist offering Income Protection, Life, Trauma and Total and Permanent Disability insurance. Why is insurance

More information

Special Markets Solutions. Introduction to Group Mortgage Insurance A PARTNER YOU CAN TRUST. Innovative Insurance by Industrial Alliance

Special Markets Solutions. Introduction to Group Mortgage Insurance A PARTNER YOU CAN TRUST. Innovative Insurance by Industrial Alliance Special Markets Solutions Introduction to Group Mortgage Insurance Presented by: A PARTNER YOU CAN TRUST. 1 Innovative Insurance by Industrial Alliance What is creditor insurance? Group Mortgage

More information

Start Making the Most of Your Money!

Start Making the Most of Your Money! Start Making the Most of Your Money! Answer 23 simple questions and you will get a personal report with tips on money management and budgeting, staying healthy, and protecting your financial information.

More information

Group Mortgage Loan Insurance

Group Mortgage Loan Insurance Group Mortgage Loan Insurance Protecting your investment... Life and Critical Illness coverage up to $1,000,000 Disability coverage up to $3,500 Single, joint and multi-applicant rates available Full or

More information

Group Accident Insurance

Group Accident Insurance Group Accident Insurance An accident insurance plan provides benefits to help cover the costs associated with unexpected bills. This plan pays over and above medical and can purchase without having medical

More information

Financial Foundations Customer guide. Life cover Critical illness cover Permanent disability cover Elderly care cover Income protection cover

Financial Foundations Customer guide. Life cover Critical illness cover Permanent disability cover Elderly care cover Income protection cover Financial Foundations Customer guide Life cover Critical illness cover Permanent disability cover Elderly care cover Income protection cover Introducing Financial Foundations At Lincoln we are in the business

More information

Group Universal Life Insurance

Group Universal Life Insurance What if your family had to live without you or your paycheck? Would they be able to afford daily living expenses and still have the financial freedom to enjoy life? CAR GROCERIES TUITION VACATIONS Group

More information

Z Care. Sow the seeds of a resilient future

Z Care. Sow the seeds of a resilient future Z Care Sow the seeds of a resilient future Secure your best chances of recovery Despite an increasing trend in the number of people diagnosed with critical illness today, more are surviving it. Studies

More information

Planning For a Critical Illness. Benefits Need to Evolve. 800-672-7202 www.criticalillnessplanning.com

Planning For a Critical Illness. Benefits Need to Evolve. 800-672-7202 www.criticalillnessplanning.com Planning For a Critical Illness Why Your Employee Benefits Need to Evolve 800-672-7202 www.criticalillnessplanning.com After the 2008 recession in the U.S., many people know how devastating an economic

More information

AA Life Insurance providing access to Best Doctors. AA Life Insurance is provided by Friends Life and Pensions Limited

AA Life Insurance providing access to Best Doctors. AA Life Insurance is provided by Friends Life and Pensions Limited AA Life Insurance is provided by Friends Life and Pensions Limited What would be the first thing you might think about if you were diagnosed with a serious illness? 2 It is very likely that the first thing

More information

Best Doctors, helping you take control of your healthcare

Best Doctors, helping you take control of your healthcare Best Doctors, helping you take control of your healthcare Best Doctors helps Canadians navigate the healthcare system through one-on-one coaching and support and connects seriously ill individuals and

More information

When should you call Best Doctors?

When should you call Best Doctors? When should you call Best Doctors? YOU CAN CALL BEST DOCTORS if you or your eligible dependents have been diagnosed with a serious illness, or if a serious illness is supected. Your medical condition will

More information