Due to a “perfect storm” of rising health care premiums and increases in treatment costs, many will be looking for a solution to help fill the gap between coverage and out-of-pocket expenses.

Nearly everyone knows someone who has been affected by cancer or heart disease. Unfortunately, many believe that their health care coverage is adequate to cover all the expenses associated with these conditions. As costs and deductibles rise, YOU may be feeling the financial pinch more every year.

When someone is diagnosed with a serious illness, there can be a lot of costs beyond what traditional health insurance covers, and it’s often more than people expect. As an example, health insurance deductibles have increased 62% in the last 10 years.

Along with high deductibles, the policy benefit could also be used for any out-of-pocket expense, such as:

• Services or treatment not covered by regular health insurance

• Travel expenses

• Child care

• Ongoing expenses like mortgage, groceries or utility bills

• The benefit amount is sent directly to YOU upon diagnosis 

• Policy benefits are tax free 

• Family coverage is available

• Internal Cancer or Malignant Melanoma-100% 

• Heart Attack – 100% 

• Stroke – 100% 

• Alzheimer’s Disease – 100% 

• Major Organ Transplant – 100% 

• Blindness – 100% 

• Deafness – 100% 

• Kidney Failure – 100% 

• Coronary artery bypass surgery – 25% 

• Coronary angioplasty surgery – 25%

Nearly 1 in 3 men and women will develop cancer in their lifetime. But, thanks to medical advances, more people than ever will beat the disease. For some of the most common forms of cancer, the 5-year survival rate is 90% or greater.

Approximately every 40 seconds, an American will have a heart attack or stroke. About half of Americans have at least one of the three risk factors for heart disease: high blood pressure, high cholesterol and being a smoker.

• Health care coverage deductibles have increased 62% in the last 10 years

• Between 2014 and 2015, direct and indirect costs of total cardiovascular disease and stroke were more than $351 billion

• The cost of treatment for cancer in the US is 2015 was more than $80 billion

• Clients with a family history of a covered condition

• Clients in need of high deductible filler

• Small business owners

• Cancer insurance & Heart Attack/Stroke insurance fit well with other products and protect income for a variety of expenses

• We offer Cancer insurance & Heart Attack/Stroke insurance policies up to $100,000 with limited underwriting

• With advances in medical treatment, people are surviving cancer and heart disease more frequently. Additionally, as we get older, the likelihood of experiencing one of the covered conditions increases

• With a conversion option from term to lifetime coverage, YOU can have the best of both worlds

• With a variety of price points and options, including family coverage, there are numerous ways to provide the coverage they need

• Critical Illness Insurance

• Cancer Insurance

• Heart Attack/Stroke Insurance

Upon diagnosis of a covered condition, a check is sent to the policyholder, not the health care provider. No receipts or medical bills necessary. Payment is to YOU, to use any way YOU choose. Examples include:

• Replacing lost income while the client is off work

• Keeping up with ongoing living expenses

• Paying health insurance deductibles and copayments

• Hiring home health care or child care services

• Traveling to treatment facilities

In the United States, about 1 in 2 men and 1 in 3 women will develop cancer in their lifetime.

· Breast cancer is the most frequently diagnosed cancer in women.

• Prostate cancer is the most commonly diagnosed cancer in men, aside from skin cancer.

• An estimated 86% of all cancers are diagnosed in people 50 and over.

• In 2016, roughly 1.7 million new cases of cancer were expected to be diagnosed.

• In 2016, over 1,600 people per day were expected to die from cancer — that’s 595,690 for the year.

• Uninsured patients may be more likely to get their diagnosis at a later stage, when treatment can be more expensive and invasive.

In the U.S. alone, cancer costs billions of dollars each year. Since many of the costs associated with the disease are not covered by Medicare or major medical insurance, you could be left with thousands in out-of-pocket expenses.

• Co-pays, deductibles or costs exceeding your benefit limits

• Treatments excluded by your plan

• Prescriptions not covered by your plan

• Travel to and from treatment centers, lodging

National Average Out-of-Pocket Costs associated with a new diagnosis is as high as:

$8,115 PER YEAR for people over 50 with no supplement insurance