CRITICAL ILLNESS INSURANCE

Top Reasons You Need Critical

Illness Insurance

Nov. 20, 2017


If you have been on the fence about purchasing critical illness insurance , you may be wondering if it's worthwhile to have. After all, some people who are thinking about buying this type of coverage are young and relatively healthy; being diagnosed with a critical health condition or illness probably seems like a very remote possibility.


Of course, nobody wants to find out they need critical illness insurance after it's too late to obtain coverage; waiting until after a diagnosis or serious health event is too long. Here are the top four reasons you should talk to your insurance professional about buying coverage now:

Financial Strain from Lost Wages

Having a sudden heart attack or stroke, receiving a cancer diagnosis, or learning you have another critical illness can be physically and emotionally draining. Unfortunately, being unable to work because of a critical illness or health condition brings financial consequences too. You may find yourself struggling to figure out how to make ends meet.


While your world is turned upside down, things like the mortgage payment and other regular monthly bills still need to be paid. Critical illness insurance provides a lump sum of cash benefits you can use to help make ends meet and ensure your family's lives won't be further disrupted by your illness than they already are.

Payment for Medical Bills

Medical bills are the number one reason people in the U.S. declare bankruptcy, and they can be a significant stressor. Even if you have a great health insurance policy, you may still have to meet a policy deductible before your insurance coverage will kick in. Even then, you may need to make co-insurance payments until you reach your annual out-of-pocket maximum amount. Critical illness insurance benefits can be used to pay these medical bills, easing the burden on you and your family.


You can also use critical illness policy benefits to pay for health care services your regular health insurance simply does not cover, such as experimental treatments or treatments provided in another country

The Future is Unknown

Finally, the biggest reason for purchasing critical illness insurance now is simply that we don't know what the future has in store for us. Every year, thousands of people receive cancer diagnoses or learn they have other serious medical conditions seemingly out of the blue. There is a lot that still is not known about critical illnesses. If you buy coverage now and continue making premium payments, you can have the peace of mind that comes from knowing you will have coverage in the future.

Find Critical Illness Insurance to Meet Your Budget

As with any other type of insurance product, when you buy critical illness coverage, you hope you will never have to use it. However, if a critical illness or sudden covered health event occurs, you will have the financial protection you need so you can focus on recovering - not on where the next mortgage payment is going to come from.

How Symmetry Financial Group Can Help

At Symmetry Financial Group, we understand everyone's appetite for risk is different. Similarly, one person’s budget for insurance products may look very different from another person’s. Rather than simply trying to sell insurance products, we take a client-centric approach to covering risks. We work closely with each family to understand their risk tolerance, goals and needs.


Then, we can reach out to our network of more than 30 well-known and respected insurance company partners to find coverage options designed to meet your specific needs, without breaking the bank. There are a variety of critical illness insurance policies available on the market, each with its own specific nuances. Every policy is a little bit different. When you work with Symmetry Financial Group, we will help you understand what various policies do or do not cover, so you can make an informed decision.


To learn more about what sets Symmetry Financial Group apart, contact us or call (319) 349-2942 to learn more and to speak to one of our friendly, knowledgeable insurance agents.

Related Posts



CRITICAL ILLNESS INSURANCE

What is Critical Care

Insurance?

CRITICAL ILLNESS INSURANCE

What’s the Difference Between Disability and Critical Illness Insurance?

CRITICAL ILLNESS INSURANCE

Can I Get Insurance

When I Have a Critical

Illness?

Latest Posts

LIFE AT SYMMETRY

Attracting Talent — How

To Diversify and Grow

Your Workforce

LIFE AT SYMMETRY

Benefits of Remote

Work as a Life Insurance

Agent


SYMMETRY IN THE NEWS

Symmetry Financial

Group Promotes 12 New

Agency Owners in One

Month

CRITICAL ILLNESS INSURANCE

Top Reasons You Need Critical Illness Insurance

Nov. 20, 2017

If you have been on the fence about purchasing critical illness insurance , you may be wondering if it's worthwhile to have. After all, some people who are thinking about buying this type of coverage are young and relatively healthy; being diagnosed with a critical health condition or illness probably seems like a very remote possibility.


Of course, nobody wants to find out they need critical illness insurance after it's too late to obtain coverage; waiting until after a diagnosis or serious health event is too long. Here are the top four reasons you should talk to your insurance professional about buying coverage now:

Financial Strain from Lost Wages

Having a sudden heart attack or stroke, receiving a cancer diagnosis, or learning you have another critical illness can be physically and emotionally draining. Unfortunately, being unable to work because of a critical illness or health condition brings financial consequences too. You may find yourself struggling to figure out how to make ends meet.


While your world is turned upside down, things like the mortgage payment and other regular monthly bills still need to be paid. Critical illness insurance provides a lump sum of cash benefits you can use to help make ends meet and ensure your family's lives won't be further disrupted by your illness than they already are.

Payment for Medical Bills

Medical bills are the number one reason people in the U.S. declare bankruptcy, and they can be a significant stressor. Even if you have a great health insurance policy, you may still have to meet a policy deductible before your insurance coverage will kick in. Even then, you may need to make co-insurance payments until you reach your annual out-of-pocket maximum amount. Critical illness insurance benefits can be used to pay these medical bills, easing the burden on you and your family.


You can also use critical illness policy benefits to pay for health care services your regular health insurance simply does not cover, such as experimental treatments or treatments provided in another country.

The Future is Unknown

Finally, the biggest reason for purchasing critical illness insurance now is simply that we don't know what the future has in store for us. Every year, thousands of people receive cancer diagnoses or learn they have other serious medical conditions seemingly out of the blue. There is a lot that still is not known about critical illnesses. If you buy coverage now and continue making premium payments, you can have the peace of mind that comes from knowing you will have coverage in the future.

Find Critical Illness Insurance to Meet Your Budget

As with any other type of insurance product, when you buy critical illness coverage, you hope you will never have to use it. However, if a critical illness or sudden covered health event occurs, you will have the financial protection you need so you can focus on recovering - not on where the next mortgage payment is going to come from.

How Symmetry Financial Group Can Help

At Symmetry Financial Group, we understand everyone's appetite for risk is different. Similarly, one person’s budget for insurance products may look very different from another person’s. Rather than simply trying to sell insurance products, we take a client-centric approach to covering risks. We work closely with each family to understand their risk tolerance, goals and needs.


Then, we can reach out to our network of more than 30 well-known and respected insurance company partners to find coverage options designed to meet your specific needs, without breaking the bank. There are a variety of critical illness insurance policies available on the market, each with its own specific nuances. Every policy is a little bit different. When you work with Symmetry Financial Group, we will help you understand what various policies do or do not cover, so you can make an informed decision.


To learn more about what sets Symmetry Financial Group apart, contact us or call (828) 481-8796 to learn more and to speak to one of our friendly, knowledgeable insurance agents.

Related Posts

CRITICAL ILLNESS INSURANCE

What is Critical Care

Insurance?

CRITICAL ILLNESS INSURANCE

What’s the Difference Between

Disability and Critical

Illness Insurance?

CRITICAL ILLNESS INSURANCE

Can I Get Insurance When

I Have a Critical Illness?

Latest Posts

LIFE AT SYMMETRY

Attracting Talent — How

To Diversify and Grow

Your Workforce

LIFE AT SYMMETRY

Benefits of Remote

Work as a Life Insurance

Agent

SYMMETRY IN THE NEWS

Symmetry Financial

Group Promotes 12 New

Agency Owners in One

Month

Would You Like to Request a Quote?

Please fill out the short form so we can provide you with the policy options

to best match your coverage and financial needs.

Would You Like to Request a Quote?

Please fill out the short form so we can provide you with the policy options

to best match your coverage and financial needs.

Core Values

Our eight core values are the

driving force behind everything we do.



Largest Life Insurance Guide

Read our comprehensive guide to answer any life insurance questions you have.

Interactive Timeline

View our interactive timeline to

see what insurance is right for you

CONTACT US

Kishon Monteith

The Monteith Group

NORTH LIBERTY, IA

Phone:

(319) 349-2942

Email: kmonteith@sfglife-mg.com

DEBT FREE LIFE

Learn more about Symmetry Financial Group’s Debt Free Life program, which

can help you get out of debt in nine

years or less without spending any additional money.



PRODUCTS

• Mortgage Protection

• Final Expense

• Term Life Insurance

• Universal Life Insurance

• Disability Insurance

• Critical Illness Insurance

• Retirement Protection

• SmartStart Insurance

WHY SYMMETRY?

Copyright © 2024 Symmetry Financial Group. All Rights Reserved. | Privacy | Site Map

“Quility” is a brand name used by the Quility family of companies. All insurance offers, solicitations, and recommendations made via this website are being made by Quility’s licensed affiliated insurance producers, Symmetry Financial Group, LLC (d/b/a Symmetry Insurance Services in California) and Kishon Monteith. No offers, solicitations or recommendations are being made via this website in any state where one of those named Quility licensees does not have a license. Please see our License Page for a list of all of Symmetry Financial Group, LLC’s (d/b/a Symmetry Insurance Services in California) and Stephen J. Brenes’s license numbers in each state.

Copyright © 2024 Symmetry Financial Group. All Rights Reserved. | Privacy | Site Map

“Quility” is a brand name used by the Quility family of companies. All insurance offers, solicitations, and recommendations made via this website are being made by Quility’s licensed affiliated insurance producers, Symmetry Financial Group, LLC (d/b/a Symmetry Insurance Services in California) and Kishon Monteith. No offers, solicitations or recommendations are being made via this website in License Page for a list of all of Symmetry Financial Group, LLC’s (d/b/a Symmetry Insurance Services in California) and Kishon Monteith’s license numbers in each state.

No agent’s success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.

  • custom_values.agent_bio=

  • custom_values.agent_brokerage=

  • custom_values.agent_headshot=

  • custom_values.agent_name=

  • custom_values.agent_phone=

  • custom_values.agent_title=

  • custom_values.agentemail=

  • custom_values.booking_page_link=

  • custom_values.booking_thank_you_page=

  • custom_values.brag_link=

  • custom_values.claim_thank_you_page=

  • custom_values.confirm_sale=

  • custom_values.final_expense_booking_page=

  • custom_values.from_email=

  • custom_values.insurance_license_number=

  • custom_values.life_insurance_landing_page=

  • custom_values.logo_image_url=

  • custom_values.outbound_email=

  • custom_values.recruiting_booking_link=

  • custom_values.twilio_number=

  • custom_values.twilio_number_in_link_form=

  • custom_values.licensenumber=

monteithgroup@gmail.com

SFG0001452

(319) 349-2942

DebtFreeLife,Switchboard Sites,Switchboard Dialer

E2JxlZxvMQLT9jmS55gb