What to expect financially if critical
or terminal illness calls.
How an "Accelerated Death Benefit" can help!
The good news is that people are living longer and in many cases
overcoming "critical or terminal diagnosis" through successful medical
However, the bad news is for those that survive they are left in
financial devastation (debt, lost homes, second mortgages). Unexpected
debt creeps up on you with "out of pocket costs" from your insurance
plan's deductibles, copays and coinsurance limits. In many cases, your
health insurance premiums skyrocket over time. Even after you have
received a clean bill of health, your premiums will increase
substantially over time on your anniversary (irregardless). Even more of
a problem is that many other carriers will decline coverage for a
personal plan when you go out to shop. I can't tell you of the hundreds
of people I have worked with over the years in helping them deal with
this problem. Many clients are forced to go back to work to seek
employer coverage (irregardless of how they feel). All being said....I
decided to track down a plan that is affordable and couple it with life
insurance which everyone needs. Many hours of worry and debate can be
avoided by simply planning to include....Accelerated
Death Benefit Rider
What is it?
It is a term life
insurance policy with an rider called "Accelerated Death Benefits" - You
may receive 75% of your insurance amount in advance - up to $250,000 -
in the event of terminal illness (We advise our clients to purchase this
coverage to fund your health insurance premiums and out of pocket costs.
Expenses sky rocket overall when treating terminal illness. Experimental
treatments are not normally covered by insurance policies...so the cash
comes in handy to pay for that as well as expenses in general. All too
many times, I see clients devastated financially because of mounting
bills in these situations. Remember that statistically you will live
longer rather than pass accidentally due to medical technology).
Request to view information.
Who offers it / quotes / details
Why do I recommend this product? Over the years I have seen many
clientele unfortunately fall into bad health. I mean, extremely serious
stuff like cancer, debilitating strokes, disease, etc. The trend I see
as I stay close with these clients is as follows>
1) Their health insurance policy does pay a majority of the claims. BUT
it does not cover experimental treatments which I see many clientele try
which runs into the thousands. Many of these treatments are successful
and have extended life and quality of it.
2) That opens the door of "financial hardship"....people are living
longer despite being diagnosed from terminal to critical illnesses. To
live longer is great BUT to afford the many out of pocket costs
associated can devastate a family.
3) All too often I see health insurance premiums skyrocket into several
thousand dollars a month to continue coverage of expensive medical
Solve these three main problems by having a very affordable life
insurance policy that has an "Accelerated Death Benefit" rider built in.
Please be expecting an email titled "Instructions for applying" to
arrive shortly. I will also follow up at a latter date with you on some
more helpful tips. Please feel free to contact me with any questions.