Accidents and Critical illness coverage can help fill the gap between health coverage and life insurance. Health coverage provides benefits for medical treatment but doesn’t include benefits for non-medical expenses. Traditional life insurance pays benefits to the named beneficiary after death. What if You survive a critical illness? Where will You find the financial resources to cover non-medical costs during recovery?

Critical Illness Statistics:

  • Both men and women have a 1-in-3 lifetime risk of getting cancer.
  •  There are 15.5 million cancer survivors in the U.S.
  • 790,000 heart attacks occur each year — that’s one every 40 seconds!
  • About 795,000 Americans will have a stroke this year — that’s one every 40 seconds!

Accidents CAN happen . . . In 2010, non-fatal injuries cost society more than $471 billion in productivity losses and over $111 billion in medical costs.

  • More than 29 million people are treated in emergency rooms for injuries each year.
  • More than 2.8 million people hospitalized with injuries each year.
  • Excess medical expense coverage insurance plan, designed to help fill the gap of out-of-pocket expenses you may incur as a result of accidental bodily injury. The plan pays up to the selected excess medical expense amount after the applicable deductible is met.

Supplemental Accidents and Critical illness coverage gives you excess medical expense coverage by providing you with lump-sum payouts when you have an accident that results in a loss. This coverage can help you offset the cost of deductibles, co-pays, prescription drugs, diagnostic tests, and other expenses.

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