Critical illness Insurance
Having an insurance plan to protect against unexpected illnesses can help provide the resources you need so you can focus on your treatment and not your finances.
Do you know of someone that has been affected by cancer, heart attack or a stroke? Chances are the answer is yes and you may have witnessed the hardship it can have on a family. With the diagnosis of cancer, heart attack or stroke comes the reality of medical bills, time off for treatments, cost for living expenses, and for some, having to deal with cost of high deductible medical insurance plans. Having an insurance plan to protect against unexpected illnesses can help provide the resources you need so you can focus on your treatment and not your finances.
Cancer, heart attack, and stroke overview
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Cancer
Lifetime probability of being diagnosed with invasive cancer:
- The lifetime probability is slightly higher for men (40.1%) than for women (38.7%). The overall cancer incidence rate in men declined rapidly from 2007 to 2014 but stabilized through 2016. The overall cancer incidence rate in women has remained generally stable over the past few decades.
+Source: Cancer Statistics, 2020, American Cancer Society, Jan/Feb 2020
Number of Americans Who’ll Be Diagnosed in 2020:
- Total (Both Sexes): 1,806,590
- Men: 893,660
- Women: 912,930
+Source: American Cancer Society, Cancer Journal, Jan/Feb 2020
Percentage of Americans 55 to 59 Diagnosed with Cancer:
Probability of Developing invasive cancer (2014-2016)
- Men ages 55 to 59 – 6.2% (1 in 16)
- Women ages 55 to 59 – 6.4% (1 in 16)
For people without a history of cancer at beginning if age interval.
+Source: American Cancer Society, Cancer Journal, Jan/Feb 2020
Percentage of Americans 60 to 69 Diagnosed with Cancer:
Probability of Developing invasive cancer (2014-2016):
- Men ages 55 to 59 – 13.3% (1 in 8)
- Women ages 55 to 59 – 10.2.4% (1 in 10)
For people without a history of cancer at beginning if age interval.
+Source: American Cancer Society, Cancer Journal, Jan/Feb 2020
Heart Attack
How many Americans will have a heart attack this year (2020)?
- Approximately every 40 seconds an American will have a heart attack. That amounts to around 788,000 heart attacks in 2020.
+Source: Heart Disease and Stroke Statistical 2020 Update, American Heart Association
What is the average age for a first heart attack?
- The average age at the first heart attack was 65.6 years for males and 72.0 years for females.
+Source: Heart Disease and Stroke Statistical 2020 Update, American Heart Association
How many people will have a diagnosed heart attack?
- Per 1,000 people, the annual number of adults having a heart attack. For men the number is 75 for ages 45 to 54, 125 for ages 55 to 64 and 125 for ages 65 to 74. For women, the number is 35 for ages 45 to 54, 60 for ages 55 to 64 and 70 for ages 65 to 74.
+Source: American Heart Association report: Circulation, January 27, 2015
What is the likelihood of coronary heart disease by sex and age?
- As a percent of the population, the likelihood for men is 6.3% between ages 40 and 59, 19.9% between ages 60 and 79. For women it is 5.6% between ages 40 and 59 and 9.7% between ages 60 and 79.
+Source: American Heart Association report: Circulation, January 27, 2015
Stroke
How many Americans will have a stroke this year (2020)?
- Approximately every 40 seconds an American will have a stroke. That amounts to around 788,000 strokes in 2020. Stroke was a leading cause of serious long-term disability in the U.S.
+Source: Heart Disease and Stroke Statistical 2020 Update, American Heart Association
See the likelihood of having a stroke by sex and age?
- As a percent of the population, the likelihood for men is 1.9% between ages 40 and 59, 6.1% between ages 60 and 79. For women it is 2.2% between ages 40 and 59 and 5.2% between ages 60 and 79.
+Source: American Heart Association report: Circulation, January 27, 2015
What is the chance of having a stroke before age 65?
- About a quarter (25%) of all strokes occur in people under age 65. The risk of having a stroke more than doubles each decade after the age of 55.
+Source: The Internet Stroke Center
The likelihood of surviving a stroke?
- A 5-year survival rate study of first stroke patients found that 60% of those who suffered an ischemic stroke survived 1 year. Some 31% survived 5 years. The 5-year survival rate was 57% for those 50 or younger and only 9% for those 70 or older.
+Source: Five year survival after first ever stroke, Smaijovic D., August 2006
Do smokers have a greater risk of having a stroke?
- The risk of ischemic stroke in current smokers is about double that of nonsmokers after adjustment for other risk factors.
+Source: The Internet Stroke Center
Statistics:
(*2015 National Safety Council Injury Facts)
Every 40 seconds, someone in America has a heart attack.
Every 21 seconds, someone in America is diagnosed with cancer.
Every 40 seconds, someone in America has a stroke.
Have you ever really thought about how the bills would be paid if you were to be diagnosed with one of these illnesses? Treatment for any of these illnesses can be very expensive and on top of this enormous expense… the mortgage, utilities, groceries, and household bills still have to be paid. What if you were not able to keep your job?
BE PROACTIVE- plan now and protect yourself. A Cancer, Heart Attack or Stroke Insurance plan can help manage expenses, so savings can be preserved.
plan highlights:
Very simple application process
Cash benefits payable on diagnosis of a covered illness
Lump sum cash benefit paid directly to policyholder to use any way they choose
Portable coverage: coverage continues if the policyholder moves, changes jobs, or retires
*Policy exclusions apply and vary by carrier. We will be sure to go over plan details prior to an application being submitted to specified carrier.
