Because of advance in technology, people are now living longer and surviving main illnesses.  But survival comes with additional responsibilities.   The main subject isn’t always whether to live on but how to pay expenses while taking treatment and whilst getting better due to the fact in most cases disability allowance can not cover all expenses.  

Some people in fact do GOFUNDME to beg for recuperation fund, some use their retirement cash to assist themselves and will later have to do additional work to make up the lost retirement savings.  You don’t have to go through any of those.  

A doctor named Marius Bernard saw these troubles and recommended to  insurance companies to introduce “Critical Illness Insurance”.  It is a form of coverage that will be able to pay you lump sum of money when you have life threatening sickness like coronary heart attack, cancer, stroke and some other 26 illnesses.  This cash may be used to cowl all your fees and all other stuff you need at some point of your recuperation period, and you do not need to rush back to work to pay your bills.

Good news is that a few insurance companies allow you to have Return Of Premium rider to your coverage.  This allows you to collect back all your premium tax free if you don’t have any claim.  This will form part of your retirement earnings.  Why not apply part of your savings to critical illness coverage now!  This is a SMART WAY to invest in your health and retirement at the same time.  The younger you are the inexpensive it is.  

Contact me for more information.