What is Critical Illness?

Imagine suffering a heart attack one day… and surviving. Imagine having a stroke at work one day and being rushed to the hospital… and surviving. Imagine waking up one morning and discovering a lump and getting that dreadful call from the doctor; “yes, you have cancer”… and surviving.

You have purchased life insurance to provide the financial necessities in the event of your death. But what happens if you survive? 20 years ago you probably would not have given a second thought about surviving a heart attack, or stroke, or cancer. But thanks to medical research and advances in technology, surviving is a real possibility. Unfortunately, the financial strain that can occur as the result of that survival is also a reality. The mortgage still has to be paid, the kids education still has to be funded, and the groceries still have to be bought. Your focus should be on getting better and not dealing with financial stress.

World renowned heart surgeon Dr. Marius Barnard agreed that surviving a critical illness is a financial problem so he developed a product called Critical Illness Insurance to help. Upon the diagnosis of one of the covered critical illnesses and survival of the elimination period, your insurance policy will provide a lump sum tax-free benefit paid to you. The benefit can be used any way you like. You can pay off debts, take a vacation, supplement your disability income, or seek out alternative medical treatment. The choice is yours.