The Financial Security Gap

A Serious Gap in Most Consumers' Insurance Protection

You may think you're covered against anything life throws your way. And like most Americans, you may be wrong. That's because many of the expenses incurred as a result of a major health crisis are not covered by traditional insurance products. Consider this:

• Disability insurance covers on average 60 percent of your lost wages... but benefits typically begin only after a waiting period. What will you do for income until your disability insurance kicks in?
• Health insurance covers about 80 to 90 percent of your medical expenses, with limitations. What about those un-reimbursed expenses and high deductibles... or what if you need treatment your insurance company considers "experimental" and won't cover?
• Long term care insurance will cover your stay in a nursing home until you recover, but what happens when you get home and need additional care?
• Life insurance protects your family in the event of your death, but you've got to die before it pays off!

So, in the event of a serious health crisis, how will you pay for...

• Lost income
• Co-pays, excluded expenses, experimental treatment and other non-reimbursed medical expenses
• Additional home help
• Adaptive equipment, home remodeling, special vehicles
• Therapy: physical, occupational, or psychosocial
• Future financial goals - retirement, college for kids, business investment, etc. - for which you no longer have the funds?

When you add up all the uncovered expenses, it's easy to see how so many consumers end up in dire financial straits - even bankruptcy - after a serious health crisis.
Fortunately, there's a better solution... critical illness insurance