Reasons for getting critical illness insurance are a lot longer than just Ten, however, here are the top 10!

1. Income Protection– Disability wont cover it all actually it covers maybe 60% and that is already less than what you were making if getting by before was hard now you’ll have extra expenses adding on. What a weird way to kick you when you’re already down!
2. Covering a high deductible and or co-insurance. If you’re like most don’t forget you likely have an 80/20 plan so that means thousands out of pocket. The deductible itself is hard to handle but necessary to keep down the premium.
3. Clinical trials also called experimental treatments and may likely not be covered. It also is technically a possible lifesaver, do you really want to gamble by not taking it because it’s not covered? An expensive luxury you cant afford to live with out… literally!
4. Daily living expenses as you know don’t stop because we do. you or family still have to eat and pay utility bills and don’t forget that car payment, oh, and juniors college education, and credit card payments, and rent, and, and, and…
5. Affordability. Try it is one of the least expensive, most important policies you can get. A healthy 40 year old can get a policy starting as low as $20 a month!You cant afford not too.
6. If you have no health insurance due to a medical condition or cant afford it but are still worried about things like cancer, heart attack, stroke, or a critical illness, worry less its affordable and underwriting in lenient and for those that cant get through underwriting ..yup there are guaranteed issue critical illness insurance out there.
7. Statistics. If you’re a smoker, or critical illnesses run in your family or if you’re obese, your only the main statistic, that chances are higher for you that you may critical illness.
8. Solve two needs with one product as some critical illness is on  life chassis or a term life insurance vehicle making it a solid winner for getting coverage for both life insurance and an accelerated benefit rider of critical illness insurance so as to pay the full amount when diagnosed in order to help survive and then survive financially. Critical illness life.
9. Business owners can get coverage that if something such as being stricken with cancer and in your absence the business completely falls apart. It’s easy when you have overhead and expenses or employees but your not there to run it. If you have a plan you have a business to come back to.
10. Group benefits as well as individual are very affordable but even more so in a group. It is a voluntary expense and can be simplistic to offer benefits and taken out of the paycheck weekly. Most of all, $10,000 $30,000 $50,000 or a $100,000 is better than getting that get well card?