
REDUCE your risk of bankruptcy.
AVOID adding medical debt.
Critical illnesses can interrupt work or prevent you from working all together. This can be especially stressful if you are the primary breadwinner. If you have long term disability insurance, it typically only pays around 60% of your pay rate. Who can take a 40% pay cut? Add to that the additional expenses related to more doctor visits, additional co-payments, your portion of the medical bills, and insurance limitations on how much they pay for some services or medical equipment.
The average nursing home expense is almost $9,000 per month. Insurance may not kick in right away or may have limitations. Nursing home expenses are the FASTEST drain on personal resources and cause the majority of medical expense related bankruptcies. Insurance limitations may exist for the length of stay, the facility, and the services provided. If you do not have the resources you may be powerless to choose what's best for you or your loved one.

Major Expense #1
Insurance plans have limitations. You may be required to pay larger portions of certain expenses.
Insurance plans may exclude certain procedures or treatments.
Even though they may improve your life.

Major Expense #2
Average stay is $9,000/mo
Insurance plans my have limitations or exclusions.
Your plan may not cover nursing home stays at all.
Quality of care may or may not be adequate at a "required" facility.
An approved facility may not be located locally.

Major Expense #3
Being unable to work for an extended period of time can financially devastate you. Especially the self-employed.
Long term disability may only pay 60% of base pay.
If disabled, you may be limited to Social Security Insurance income only.
The two largest expenses you will pay in your lifetime are: Taxes and Medical Expenses. We can't do anything about taxes, but we can help save you prepare wisely for future medical expenses.


With the cost of health care constantly on the rise, gaining more buying power is a no-brainer. Doubling your money so your dollars go further is a great way to buffer yourself against inflation and the every increasing cost of health care. Many necessary expenses are not covered by traditional health insurance plans. Health insurance also deploys "cost containment strategies" designed to minimize the benefits paid. This helps insurance companies maintain profitability. However, this may also mean you must pay out-of-pocket for treatments you want or need.
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© 2022 Company Name - All rights reserved
