Illness Protection

As medical technology improves, we are surviving many of the life-threatening illnesses, going on to live happy, healthy lives. However, diagnosis, treatment, and recovery can have a profound effect on our finances and how we view our future. A “crisis fund” is necessary to provide the opportunity for choice at a crucial time.

  • What do I need protected?

    • Capital to pay off debt and mortgages
    • Income replacement treatment and recovery so you don’t have to go back to work right away
    • Spending money to give you time with the people you love
  • How does it work?

    • Benefit is a lump some payment, tax free
    • Claims are paid 30 days after the diagnosis of a life-threatening illness or injury
    • If the insured passes away during this 30 day period, all premiums are repaid to their beneficiary
    • There is no need to prove ongoing illness, or inability to work-the benefit is paid on diagnosis alone
  • What illnesses and injuries does it include?

    • Cancer, heart attack, stroke, and coronary artery disease
    • Parkinson’s, ALS, alzheimer’s, multiple sclerosis, kidney failure
    • Blindness, deafness, loss of speech
    • Loss of limb, paralysis, severe burns
  • The usefulideas® advantage

    • Free consultation of your protection needs, customized plans to economically protect what is most important
    • Survey of the marketplace for your custom plan - particularly from plans that are comprehensive
    • Proactive support during underwriting so that pre-existing medical conditions are cleared
    • Ongoing support and review
    • In the last few years, we have managed over 20 claims and every claim was paid with over $3,000,000 of benefits