Critical illness coverage is essential, here’s why:

• Insured does not have to die to receive benefits.
• Group Health plans including HMO’s, PPO’s, POS, EPO’s, etc., have restrictive limitations concerning treatments and services that will and will not be paid for.
• Advances in medical technology keep critical illness survivors alive longer.
• Critical illness survivors typically experience a reduced quality of life – money is a key lifestyle factor.
• Disability insurance benefits replace a portion of lost income but are inadequate to pay for the additional costs of non-covered, indirect medical expenses as well as ongoing household expenses.
• Helps eliminate financial burdens directly associated with the treatment and recovery of a critical illness.