Monday, September 14, 2020

Do I Need A Cancer, Heart Attack and Stroke Plan?

We all know someone who has had cancer, heart attack or stroke. And we all are aware that with any of these significant and serious health issues there can be a lot of bills that your major medical insurance  will not pay. Deductibles and other out-of-pocket expenses will deplete your savings and can devastate your family financially.

Medical issues are one of the main reasons for bankruptcies in this country. Not only will cancer or a heart attack run up medical bills, but it also can keep you from work. As I have stated on many occasions, your number one asset isn't your home, car or investments, but your ability to earn a living. With a major loss of income comes more stress on you and your family. 

I shared the story in a recent post of a single father who had to take time off from work when his son was receiving cancer treatments. They were literally days away from having the power cut off from their home when they remembered they had a cancer plan, which helped out tremendously. 

Take a look at this short video and see how it works. 

Many companies offer good cancer plans, and many companies offer good plans that help for heart attacks and strokes, but not many let you combine them both. With our plan, you can choose either a plan for cancer or heart and stroke, or you can have both at once. That's flexibility that helps you.

And these plans don't pay the doctor or the hospital, but instead pay you directly. You can choose a lump sum benefit up to $75,000 that you can use at your discretion, whether to pay for your out-of-pocket bills or just your regular monthly bills due to your loss of income. 

These plans also come with a wide variety of optional riders as well. The cancer recurrence rider and building benefit riders are a valuable tool in making sure that your plan keeps up to date with the unknown down the road. You can even add a cancer rider for your children.

All of these features are available for heart attacks and strokes too. You can add these riders if you are concerned about recurring heart attacks and strokes, as well as coverage for your kids. 

But these plans also have some additional features that you probably wouldn't expect, like additional benefits for intensive care, and critical accidents. There is even an optional rider for dental and vision benefits. That's a lot for one affordable plan!

But what if you never use the plan after paying into for years? There's even an option for a return of premium rider which will refund your premiums, minus any claims paid. 

And we make it very easy for you to apply for this great coverage. You can pick out a time from our calendar to have us call you on the telephone. No need to worry about a salesperson coming to your home.  The application process is easy and with just a few questions. 

Don't become a statistic by letting a major illness ruin your family's finances. By making sure you have the right kind of coverage for serious health events like cancer, heart attacks and stroke, you will have the peace of mind knowing that your loved ones can feel secure while you (or another family member) is receiving treatments. And that is what insurance is all about. 

Not all plans are available in all states. We can let you know what is available in your area.

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast. And please subscribe to this blog!

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