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Taxes | Life & Health Insurance | Critical Illness | Accident Insurance | Hospital Indemnity | Estate Plans & Debt Help Referrals | Career in Finance
Critical Illness Insurance
A serious illness can create financial stress long before medical bills arrive. Critical Illness Insurance provides a lump-sum cash benefit after the diagnosis of covered illnesses such as heart attack, stroke, or certain cancers plus other conditions. The money is paid directly to you and can be used however you choose including household bills, mortgage payments, travel expenses, childcare, or medical costs giving you financial flexibility during recovery.
Accident Insurance
Accidents happen when you least expect them. Accident Insurance provides a lump-sum cash benefit for covered accidental injuries, helping offset deductibles, emergency room visits, ambulance costs, lost income, rehabilitation expenses, and everyday household bills. Because the benefit is paid directly to you, you decide how to use it during your recovery. This coverage works whether the accident happened on or off the job.
Hospital Indemnity Insurance
Even with health insurance, a hospital stay can result in significant out-of-pocket expenses. Hospital Indemnity Insurance pays cash benefits for covered hospital admissions, overnight stays, surgeries, and certain medical services. These funds can help cover deductibles, co-pays, transportation, childcare, household bills, or lost wages while you focus on healing.
Long-Term Care & Disability Insurance
Your greatest financial asset is your ability to earn an income. Long-Term Care and Disability Insurance help protect that income if illness, injury, or aging prevents you from working or caring for yourself independently. These solutions can help pay for home healthcare, assisted living, nursing care, rehabilitation, or replace a portion of lost income, helping preserve your savings and maintain your quality of life.
Accident Insurance
Accident Insurance
Things like lost wages plus your out-of-pocket medical expenses and the cost for help with transportation, meals, child care, or even housekeeping can all add up.
Personal Accident Insurance provides cash benefits regardless of any other insurance you have. By pairing it with your medical plan, you can extend your protection to help with those unexpected costs, so you can focus on healing. Accidents are payable whether you are injured on or off the job.
Accidents happen... have you heard?
• 1 out of 7 Americans each year seeks medical care due to injuries.
• More than 90% of accidents are non-traffic related.
• Falls are the leading cause of accidental injuries among Americans in almost every age group.
• More than 2.6 million children under the age of 19 are treated in emergency departments each year for sports and recreation-related injuries.
Critical Illness Insurance
Critical Illness Insurance
When a critical illness strikes, you should be focused on your health, not your finances. Unfortunately in too many cases, illness is only part of the battle. Things like lost income, medical deductibles, out-of-network office visits and uncovered treatments can contribute to financial hardship for many families. With Critical Illness insurance, you can supplement benefits beyond your medical plan with coverage you and your family can rely on.
Did you know?
• The odds of developing cancer in a lifetime are one in two for men and one in three for women.
• About every 40 seconds, someone in the U.S. will suffer a heart attack.
• About 1/3 of Americans struggle to pay their medical bills, including those with insurance, while 27% delay or skip getting the health care they need due to cost.
Heart Attack
Stroke (CVA)
Invasive Cancer (aka infiltrating cancer)
End Stage Renal Failure (Stage 5 Chronic Kidney Disease)
Major Organ Failure 100%
Hospital Indemnity
Hospital Indemnity
Your medical plan provides benefits to help with medical costs resulting from an inpatient hospitalization or treatment in an observation unit. Once you leave the hospital, you shouldn’t have to worry about financial setbacks that you didn’t expect during your recovery. Things like medical deductibles and copayments, plus the cost for help with transportation, meals, child care, or even housekeeping can all add up.
Hospital Indemnity Insurance provides cash benefits based on your time in the hospital, regardless of any other insurance you have. Pair it with your medical plan to extend your protection and help with unexpected costs so you can focus on recovery.
Long Term Care Disabilty
Long Term Care Disabilty
Long term care is the assistance a person may need with the basic activities of daily living – eating, bathing, dressing, transferring, toileting, and continence. It can also include supervision needed to protect a person’s health and safety. The need for long term care may develop from things such as an accident, illness, stroke, advanced age or other chronic condition such as
Alzheimer’s, dementia or Parkinson’s disease. Long term care consists mainly of personal care rather than medical care, which is typically covered by a health plan.
Long Term Care can be provided…
• In your own home
• At an adult day care center
• In an assisted living facility or nursing home
Many people require some amount of long term care services as they age. But a serious illness, disability or accident could also cause someone much younger to need long term care as well. Planning for the potential cost of long term care is something that everyone should consider.
LifeSecure can be there to help cover the cost of the care you may need. While it’s difficult for healthy adults to think about needing such care, the potential risk is real.
Without a long term care insurance plan in place, your care options may be limited and potential expenses could result in significant out-of-pocket costs – affecting your savings and assets. Long term care insurance was designed to provide an alternative solution.
Will you need long term care?
Your chances may be more likely than you think. About 6 million Americans age 65+ require help with at least two activities of daily living for ninety days or more, or have a severe cognitive impairment.
More than half of Americans say they need LTC insurance, but only 14% have a policy. Only 1/3 of Americans over 40 have set aside money to plan for LTC needs.
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