Life Insurance:

An essential coverage, yet traditional life insurance provides for your family only if you DIE from a heart attack or stroke. It doesn't pay a penny-
IF YOU SURVIVE!

You've worked hard to put an umbrella of protection over you and your family. However, your umbrella may have a hole in it!

Could you cope with the financial crisis when you're already dealing with a physical and emotional stresses? Let's say you've survived a heart attack, or just received a diagnosis of cancer. What happens next?
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Your fixed expenses continue, and now you have a host of other unexpected costs. Will your savings be enough for you to?
· Stay home long enough to really recover, or help your family if you lost the ability to work?
· Continue to make your mortgage or rent payments?
· Alter your home or car to accommodate any special needs you may have?
· Pay for non-medical expenses such as travel or childcare?
· Pay for treatments your health insurance won't cover?

A valuable coverage, if you have it. But most disability plans pay only a portion of your income (about 60%), and you must satisfy your elimination or waiting period before you get benefits. And what if your spouse is the one with the disability?

You may have an excellent health plan. Your health insurance might pay most of your medical expenses.

You'll pay for deductibles, coinsurance, co-payments, and any procedures your insurance doesn't cover.