One afternoon, you come home from a hard day at work. As you prepare dinner for your family, you receive a phone call. Your husband has had a stroke while at work. He has been taken to the emergency room and his prognosis is unclear. You find someone to care for your children as you leave for the hospital. Upon arriving at the hospital, the doctor tells you that while it is unclear how well he will recover, he will need critical care and is uncertain how long he will need this care.

Your husband is the main breadwinner. His income covers the majority of the bills. What will you do while he is out of work? How long will his job hold open his position? How will you pay the bills? Sure, you have savings, but it can only go so far. His insurance coverage for the family was sufficient for preventative care, but it cannot cover the overwhelming costs of critical care. Besides, you have deductibles and co-insurance to contend with. What would you do if he needs treatment that is not covered?

As days pass by, you struggle to pay your mortgage, auto loan, auto insurance, homeowners insurance, electric, water, and food. What would you do if your daughter needed new shoes? You have left your credit card bills in the dust accruing interest and over-the-limit fees. What is happening to your credit score? Your kids miss their daddy and want him home. Your kids are beginning to worry. They wonder what they can do to help. You try to be strong for your children, stand by your husband’s side, and keep up on the household chores. You must continue working and there’s no way you’d miss your children’s school functions. His recovery is slow, but he is recovering. How much longer can you hold on?

The bills are getting behind. Medical bills come in the mail every day. You are overwhelmed, stressed. Your children feel your stress and become stressed as well. His recovery took a few steps back, but the prognosis is still good. You feel as though you are about to explode. If only you could catch up! What would you do if you could ensure that you would never need to catch up? What would you do if you could insure yourself with peace of mind and financial protection? Would you have jumped at the opportunity to cushion you and your family in the case of such an event? Of course, you would have! If you had only thought of this before!

Critical illness insurance coverage was created to protect you and your family in this very situation. At the time a critical illness is diagnosed, a lump sum benefit is paid to you to cover anything you and your family would need. You can use it to pay medical bills, the mortgage, cover the day-to-day cost of living, and even gives you the freedom to opt for treatments standard health insurance would not cover. You would not spend your days wondering how you will survive. You would rest easy knowing your financial house won’t crumble, focusing only on your husband’s healing. Do not go another day without security, take the opportunity to protect your family now.