Now technically, scientifically, politically and any other rhyming word or non for that matter, no one can state that there is an alternative to real health insurance but but for a lack of a better term… here is an affordable alternative to health insurance if you have non because you say you cant afford it.

Well can you afford under a $100? Most can. How about $50 or $30 a month?

“Woh! hold your horses” you say, and yes I’ll agree this is not some Ronco infomercial, but did you know you can get real critical illness insurance coverage? If your concerns are specifically heart attack, cancer, stroke, then this is what we are talking about. If you want doctors visits no. Prescriptions No Money in your hand if you get diagnosed with a covered critical illness YES! It may not be a end all be all solution, and not a replacement for health insurance, but, an alternative if have nothing or cant afford? Uh….Yeah

You almost cant afford not too. A young person in their twenty’s can get about $100,000 check for about $25 a month if diagnosed that could be the amount paid to you. I call that quite handy. Think you cant get those conditions when your young think again and it WILL WIPE YOU OUT!

Its not that we are not surviving, its that we are and simply cant afford to do what we need to do. $100 grand can certainly help walking into a hospital and having no coverage…well remember its the first question asked in a hospital…but $100,000 cash? Yeah that works!

Say your not in your twenties anymore? Neither am I. I’m about 40 years old I am a smoker so my premiums are much higher and still i have coverage locked in rates for ten years for $50,000 for about $1.20 per thousand. Now I quit smoking four months ago and after 12 months of smoke free I can get that for maybe $100,000 for almost the same money or my  payments dramatically reduced. Ill take the higher benefit please!

There isn’t once person out there that should not have in my opinion the most valuable, least expensive, and yet most overlooked policy out there. Europe had this for decades and Canada and India and, and and. You’d be hard pressed not to find someone in the U.K. or Canada without it . They have socialized medicine and we are just catching up. Change isn’t necessarily a bad thing. It has it’s pros and cons like anything else, its how you prepare for it. So why is this just getting attention (now that we have health reform coming) when we should have had it all along?

Well an agent may sell you a health policy that you need no question there. The agent sells a critical illness for $40. Maybe they feel they don’t make enough, maybe they didn’t know about it’s existence, perhaps we cant guess the past and simply correct the future.