Critical Illness Insurance

Critical Illness Insurance Because saving your life shouldn’t cost your life savings

Peter G Langelier Langelier Insurance Dr. Howard Rocket, DDS

Despite Your Best Efforts . . . You may face a gap in your financial security Death Lost Wages Long-term Care Health Costs Uncovered Expenses

What really happens in a health crisis? ,[object Object],[object Object],[object Object],[object Object],[object Object]

What really happens in a health crisis? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

What really happens in a health crisis? ,[object Object],[object Object],*Harvard Law School, 2005.

The High Cost of Getting Sick ,[object Object],[object Object],*American Cancer Society, Cancer Facts & Figures, 2005

[object Object],Risk of Illness and Disability *American Heart Association, Heart Disease and Stroke Statistics 2007 Update

Risk of Illness and Disability ,[object Object],*American Heart Association, Heart Disease and Stroke Statistics 2007 Update

[object Object],Risk of Illness and Disability *American Cancer Society, Cancer Facts & Figures, 2005

[object Object],Risk of Illness and Disability *American Heart Association, “Heart Disease and Stroke Statistics,” 2007; American Cancer Society, “Facts and Figures 2007.”

A Real Case Study ,[object Object],[object Object]

Where I went wrong . . . ,[object Object],[object Object],[object Object]

Dr. Rocket: Stroke Case Study Incurred Expenses for the Period of October 27, 1995 to April 2007 Description Amount ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],$180,000 ,[object Object],[object Object],[object Object],[object Object],$ 8,100 $290,000

Dr. Rocket: Stroke Case Study Incurred Expenses for the Period of October 27, 1995 to April 2007 Description Amount ,[object Object],[object Object],[object Object],[object Object],$195,000 ,[object Object],[object Object],[object Object],$2,500 $2,500 ,[object Object],[object Object],[object Object],$32,000

Dr. Rocket: Stroke Case Study Incurred Expenses for the Period of October 27, 1995 to April 2007 Description Amount Total Incurred Expenses $710,000 Loss of Earned Income 9 years (20k per month x 9 yrs) $2,800,000 Earned Active Income (Pre-accident earnings – average 30k/month) $ 0 Total Economic Loss NET WORTH REDUCTION $3,510,100

Toward the Future ,[object Object]

What’s the Solution? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

A Better Solution . . . ,[object Object],[object Object],[object Object]

Long available abroad: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

What Critical Illness Insurance Does ,[object Object],[object Object],[object Object],[object Object]

Do You Feel Lucky? ,[object Object],[object Object]

Paying for Your Illness For every dollar spent, you’ll need to earn: Self-insurance $ 1.35 Debt $ 1.75 Liquidate assets $ 2.00 Critical illness insurance $0.20

So what will it be? ,[object Object],[object Object],[object Object]

Peace of mind . . . ,[object Object],[object Object]

Because saving your life shouldn’t cost your life savings Life Insurance Disability Insurance Long-term Care Insurance Health Insurance Critical Illness Insurance

Critical Illness Insurance

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