Remove Some Of The Pain With Critical Illness Insurance
The Evans were a normal family.Amanda was the housewife, Peter had a sound job driving for Stagecoach. They’d been married for 13 years and had a daughter aged 10 and a daughter aged 6 and a lived in a detached house in Handforth South Cheshire. They were planning to go on holiday to Altea on the Costa Blanca at Christmas.
So life was steady and they were very happy. They had loads of friends, mostly through the school that their twins attended and a hetic social life.
And then all of a sudden things changed. Simon had been having regular headaches for the past three weeks but didn’t take much notice of it – certainly no cause to have time off work to see the Doctor. Mary had given him a packet of Nurofen to take to work just in case it became much worse.
It was a Wednesday and the day began just like any other. Mary was in her dressing gown in the kitchen making lunch for Richard to take to work. The youngsters were squabbling as usual. Richard was in the bedroom getting dressed.
Then there was a tremendous thump. It wasn’t like a plant pot falling on the floor. It was somehow more worrying, like a huge bag of spuds falling. And it came from the bathroom.
Amanda’s heart fell. In some way instinct told her something wasreally wrong, very very wrong. In a second she was up the stairs and pressed to the bedroom door. It swung open a tiny bit and stopped. She pushed and pushed but something was obstructing the door from opening any more. She wedged her head around the door and the blood oozed from her face. There was Peter stock still on the floor, crumpled up face down.
For a minute she panicked. Then she just screamed and screamed
It took 20 minutes for the ambulance to come and just four more minutes for the medics to diagnose that Richard had just had a stroke. Would he survive? To be truthfull he was very ill. The Specialist would give her more information at the hospital.
James did did get well again. He had four lengthy months in the infirmary followed by five more months at a expert rehabilitation centre. To start with he was wheelchair dependant but in time he began to walk slowly with the aid of a frame.
But at age 36 he would never be strong enough to work again.
Could this be your worst nightmare?
Data shows that one in five men and 2 out of ten women suffer a critical illness before their normal retirement age. James was extremely young to have had a stroke but in life there are always risks.
Richard’s stoke came out of nowhere but hundreds of thousands of families do have insurance cover to impart financial help should something like this transpire. It’s called Critical Illness Insurance. This typeof insurance pays out a tax free lump sum if the insured is diagnosed with a critical illness. A typical insured sum would be in the 120,000 pounds to £200,000 – it’s for the policyholder to fix. (What is a “critical illness” is is outlined within the policy documents but they nearly always cover strokes,cancer and heart attacks and normally loads of other illnesses and conditions as well.)
Life Insurancecan’t help mend the stroke but it could certainly make sure that financially, things were OK.
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