Disease Specific Insurances

Cancer Insurance • Heart & Stroke Insurance

Cancer Insurance

Approximately 1.4 million cases of cancer are expected to be diagnosed this year in America.
(Source: "Cancer Facts and Figures 2006," American Cancer Society)

Three out of four American families will have at least one family member diagnosed with Cancer.
(Source: National Cancer Institute 2004 Fact Sheet)
Cancer Insurance

Painful realities

Cancer is devastating, both in terms of its impact on the human body and the costs of medical treatment.
Billions are spent annually for cancer care. Even those with major medical insurance can be overwhelmed by the considerable costs created by deductibles, coinsurance, copayment's, and policy limitations.
Often, costs such as transportation, childcare and home care are NOT covered by your health insurance—
leaving you to contend with reduced or lost income while undergoing cancer treatment.

Cancer Insurance can be your financial safety net
supplemental health insurance pays benefits directly to you if you or a family member are diagnosed with Cancer that results in:

Hospitalization ● Radiation Treatment ● Stem Cell Transplant ● Surgery ● Immunotherapy ● Home Health Care ● Chemotherapy ● Bone Marrow Transplant ● Hospice Care

Cash paid directly to you when you need it most
● No deductibles, copays or coinsurance requirements.
● No restrictions on your choice of doctors or hospitals.
● No preauthorization for treatment.
● No limitations on how you spend it.

Cash paid regardless of other insurance you may have
With Cancer Insurance, you decide what to do with the money.
Use it for medical bills, to replace lost income, to cover transportation costs,
to pay for services you can’t perform, or for other needs.

Effective and Affordable

Cancer Insurance is:
Easy to Obtain – There are only a few basic questions
to answer and no medical exam to take.
Economical – Rates are affordable and designed to stay that way.
Fast – In most cases, a check is mailed to you within 48 hours of receipt of proof of a
valid claim.
Guaranteed Renewable – Coverage is guaranteed renewable for life. It cannot be
cancelled because of the number of claims you file or the amount of benefits you receive.
Portable – Once you’re approved and your policy is in force, it’s yours to continue even
if you leave your job for any reason.

Please Contact us for more information.

Heart & Stroke Insurance

Treating coronary heart disease, heart attack or stroke almost always requires paying out-of-pocket expenses — deductibles, copays, coinsurance and the costs of transportation, child care and home care. Add it up and the total can be staggering. Heart and Stroke Insurance provides cash to help cover expenses in the event of a sudden heart attack, stroke or treatment of coronary artery disease.

Overview
• Pays cash directly to you to help cover
costs including:

- Ambulance
- Cardiograms
- Stress testing
- Angiogram
- Heart transplant
- Hospital confinement
- Lodging
- Nursing services
- Pacemaker insertion
- Physiotherapy
- Surgery/ anesthesia
- Transportation
- and more

• Level 1 and Level 2 coverage options are
available. Typically, the higher the benefit
level, the higher the dollar amount paid for
covered conditions.
• Optional Return of Premium Rider—
you may be eligible to get back all your
paid premiums, less incurred claims.

Effective and Affordable
Heart and Stroke Insurance is:
Economical – Rates are affordable and designed to stay that way.
- 10% premium discount for 2-adult families.
- Same low rate regardless of payment method. Electronic fund transfer, credit card or payroll deduction are available.
Easy to Obtain – Just a few health questions to answer – no medical exam.
Fast – A check is usually mailed within 48 hours of receipt of proof of a valid claim.
Guaranteed Renewable – Coverage is guaranteed renewable for life. It cannot be cancelled because of the number of claims you file or the amount of benefits you receive.
Portable – Once a policy is in force, it’s yours to continue even if you leave your job.

Please Contact Us for more information.