New! Critical Illness and
Disability Income Protection Plans
Do you know anyone who has been in an Accident or diagnosed with Cancer, Heart Attack, Stroke or other Critical Illnesses?
If you developed a Critical Illness, would you rather receive a GET WELL card or a CHECK for $25,000, $50,000, $100,000 or more?
New low-cost Living Insurance plans cover Lost Income, Mortgage Payments, Debts, Medical Bills, Child Care, Nursing Care, Rehabilitation, Job Training & Education, Travel, etc.
This is also a great strategy to design Health Insurance plans with ZERO Deductible in most cases, since 75%-80% of all Hospital and Emergency Room visits are due to Accidents or Critical Illness.
U.S. Statistics:
Over 50% of U.S. Bankruptcies are the result of a serious medical condition ý and 79% of those people had medical insurance. 1
Only 3% of mortgage foreclosures are due to death, while 48% are due to a Critical Illness. 2
1 Norton Financial Advisor
2 National Center for Health Statistics
Critical Illness and Disability Income plans can help you survive the financial impact and protect your assets.
Critical Illness Policy
Benefit Amount: $50,000 to $500,000
Payment: Upon diagnosis of Invasive Cancer, Heart Attack, Stroke, Major Organ Transplant, End-Stage Renal Failure, Alzheimerýs, Paralysis, Major Burns, Coma, Aortic Surgery, Brain Tumor, Blindness, Deafness, Heart Surgery, Loss of Speech, ALS and other Critical Illnesses.
Issue Age: 18 to 64
Guaranteed Renewable for Life
Sample Rates:
|
Critical Illness Plan | ||
| Age | Cash Benefit | Premium |
| 40 | $50,000.00 | $49.00 |
| $100,000.00 | $83.00 | |
| 45 | $50,000.00 | $60.00 |
| $100,000.00 | $103.00 | |
| 50 | $50,000.00 | $74.00 |
| $100,000.00 | $127.00 | |
| Non-Tobacco Rates | ||
Disability Income Policy
Benefit Amount: $1,000 to $7,000 Per Month
Payment Period: 1 Year, 2 Years, 5 Years or to Age 65
Issue Age: 18 to 60
Guaranteed Renewable to Age 65
Payable for 2 to 5 Years, if you are unable to perform 2 or more Activities of Daily Living and/or work in your own occupation. Optionally, payable to Age 65, if you are unable to work in any occupation.
Sample Rates:
|
Disability Income Policy | ||
| Age | Monthly Benefit | Premium |
| 40 | $1,000.00 | $19.00 |
| $2,200.00 | $37.00 | |
| $3,950.00 | $63.00 | |
| 45 | $1,000.00 | $22.00 |
| $2,200.00 | $45.00 | |
| $3,950.00 | $77.00 | |
| 50 | $1,000.00 | $28.00 |
| $2,200.00 | $58.00 | |
| $3,950.00 | $100.00 | |
| Rates based on 2 Year Benefit and 60 day | ||
| elimination period. | ||