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Critical Illness Supplemental Health Insurance Protecting your family, finances, and future.
	Day-to-day life is complicated enough all on its own. So when you're facing the extra stress of a critical illness, you need to keep your financial worries to a minimum. You need the assurance of a supplemental health insurance policy that helps protect your ... family, finances and future.
Critical Illness Insurance can provide you benefits to help with the expenses associated with a critical illness diagnosis and treatment. Did you know: THE RISKS Men have nearly a 1-in-2 lifetime risk of developing cancer. Women have a 1-in-3 lifetime risk. 1 This year an estimated 770,000 Americans will have a new heart attack. 2 On average, every 40 seconds someone in the United States has a stroke. 3 THE COSTS The total overall cost of cancer in 2007 was $219.2 billion. 4 The estimated direct and indirect 2008 cost of coronary heart disease is $156.4 billion. 5 The estimated direct and indirect cost of stroke for 2008 is $65.5 billion. 6
$219.2 BILLION
40 % DIRECT MEDICAL COST $89 Billion DOCTOR & HOSPITAL BILLS		60 % INDIRECT Out-Of-Pocket COST $130.2 Billion (HIS) LOSS OF INCOME (HER) LOSS OF INCOME HOUSE PAYMENTS CAR PAYMENTS FOOD GAS ELECTRIC BILLS TELEPHONE BILLS OTHER LIVING EXPENSES Not to mention ... TREATMENT COSTS TRAVEL EXPENSES MOTEL BILLS COST OF EATING OUT
How would you pay for out-of-pocket expenses associated with a critical illness?
If you are like many people, you have few options: Spend your savings. Sell your assets. Buy supplemental insurance to protect your family, finances and future.
We believe you need more "CASH" for personal expenses rather than more INSURANCE for doctors and hospitals. Your benefits are paid DIRECTLY to YOU ! ! ! Critical Illness Insurance includes these important assurances: Your benefits are paid in addition to any other insurance you carry. You cannot be singled out for a rate increase. Your rates can be increased only if they are increased for all plans of this kind in your state. Your benefits are never reduced. Your policy is guaranteed renewable for life as long as your premiums are paid when due - only you can cancel.

Frequently Asked Questions Q: What is Supplemental Insurance? A: Supplemental insurance is extra or additional insurance that helps you pay for out-of-pocket costs that your major medical insurance doesn't cover. Things such as loss of income, co-pays and co-insurance, travel and lodging, etc. The benefits are paid in cash directly to you so you can use the money however you choose to pay for those unexpected expenses due to illness or injury. Q: Do I really need supplemental insurance? Unexpected accidents and illnesses happen. When they do, it can leave you and your family vulnerable to out-of-pocket expenses that major medical insurance does not cover. Supplemental insurance benefits give you piece of mind and reduce the worry about how you will pay for those unexpected expenses. With less worry, you can focus on getting well rather than how you will get the money to pay your light bill. Q: What happens when I am diagnosed with a critical illness? A: Filing a claim is easy. You will simply visit our web site to download your claim forms, or call us at 1-877-740-8683 to have them mailed to you. Q: How can I get supplemental insurance? A: We make it easy as 1-2-3. 1. Just call us toll-free at 1-877-740-8683. 2. We take the application over the phone in less than 10 minutes. 3. You get your policy in the mail in 1-2 weeks. It's that easy! Our knowledgable representatives will work with you to identify your protection needs, so you have the coverage you need to help meet those needs. Q: How do I qualify; do I have to complete a physical? A: Most people do not have a problem qualifying for critical illness insurance, some cases you can even qualify if you cannot get major medical. There are a few health questions, and no physical is required. Generally, as long as you can answer "No" to the health questions, the coverage is issued and can become effective within 15 days from the date of the application. Q: What services are covered? A: Most plans pay cash for things such as: Lump Sum benefits upon initial diagnosis. Admission to a hospital Family lodging for a member of the immediate family Others Q: What is generally not covered on a critical illness plan? A: Most plans will not pay benefits for the following: Loss diagnosed or caused by another disease or sickness withing the waiting period (waiting periods vary by state) Loss due to participating in an illegal act or working at an illegal job Loss due to being intoxicated or under the influence of any illegal drugs or narcotics, prescribed or not Loss due to self-inflicted injury, or while attempting to commit suicide Loss due to war, participation in sporting events. Exclusions and limitations vary by policies by state, so always refer to your policy or outline for applicable exclusions and limitations.
View other supplemental coverages: Critical Illness Heart Disease / Heart Attack / Stroke Cancer Hospital Indemnity Facts provided by: 1 American Cancer Society, Cancer Facts & Figures 2008, 2008, p.1. 2 American Heart Association/American Stroke Association, Heart Disease and Stroke Statistics, 2008 Update (At-a-Glance Version), p.12. 3 Ibid, p.15. 4 American Cancer Society, Cancer Facts & Figures 2008, 2008, p.3. 5 American Heart Association/American Stroke Association, Heart Disease and Stroke Statistics, 2008 Update (At-a-Glance Version), p.14. 6 Ibid, p.17. The above facts represent the U.S. population, are for information only and do not imply coverage under the policy or endorsement of the company or the policy by the people and organizations above.