Why Critical Illness insurance Is A Must

 

 The Smiths were  an ordinary family.Gemma was the homemaker, Neil had a steady job driving for Easy Move. They’d been married for 15 years and had twins aged 7 and a son aged 6 and a lived in a bungalow in Handforth South Cheshire. They were thinking of going on vacation to Moraira on the Costa Blanca during the Easter Holidays.

 So life was stable and they were very happy. They had good friends, mostly through  the school that their children attended and a pretty good social life.

 

 

 And then things changed. Peter had been having intermittent headaches for the past month but hadn’t thought much about it – certainly not to take time off work to go to the Doctor. Gemma had given him a box of Nurofen to take to work just in case it became a lot worse.

 

 It was a Monday and the day started just like any other. Mary was in her pyjamas in the kitchen making a salad for Peter to take to work. The children were squabbling as usual. Simon was in the bathroom shaving.

 

 Then there was a big thump. It wasn’t like a plant pot falling on the floor. It was somehow more worrying, like a large bag of potatoes falling. And it came from the bathroom.

 

 Susan’s heart fell. Somehow instinct told her something wasreally wrong, very very wrong. In a flash she was up the stairs and pressed to the bedroom door. It shifted open a fraction and ceased. She pushed and pushed but something was prohibiting the door from opening further. She squeezed her head around the door and the blood drained from her face. There was James stock still on the floor, crumpled up face down.

 

 For a second she panicked. Then she screamed with horror

 

 It took 12 minutes for the ambulance to arrive and about six more minutes for the Paramedics to confirm that Peter  had just had a stroke. Would he get better? To be honest he was very ill. The Doctors would be able to tell her more at the infirmary.

 

 Richard did survive. He had seven lengthy months in the hospital followed by three more months at a expert rehabilitation centre. To start with he was wheelchair bound but later on he began to walk some steps with the aid of a walking frame.

 

 But at the age of 39 he would never be fit to work again.

 

 Could this be your worst nightmare?

 

 Statistics show that men and one in five women go through a critical illness before 60 to 65 years of age. Peter was unlucky to have had a stroke so young but life is a game of chance.

 

 Joe’s  stoke came out of the blue but a large proportion of families do have insurance to offer financial help should something like this take place. It’s referred to as Critical Illness Insurance. This formof insurance gives out a tax free lump sum if the insured person is diagnosed with a critical illness. A typical insured sum would be in the £120,000 to 250,000 pound – it’s for the policyholder to choose. (What is a “critical illness” is is outlined within the policy documents but they almost always cover heart attack, cancer and stroke and usually loads of other conditions and illnesses as well.)

 

 

 

 

 Life Insurancecan’t help to take away the stroke but it could certainly make sure that financially, things were satisfactory.