Here's why critical illness protection is important

N1706 P46007 H
If you can’t work, who buys the groceries, pays the electric bill and pays the mortgage?

By Roni Bell, HealthMarkets Insurance Agency

With medical technology constantly evolving, the likelihood of a person surviving a critical illness or injury is greater than it ever has been. But while your health can rebound from a major diagnosis, your finances often cannot.

With higher insurance deductibles and most people living paycheck to paycheck, even if you are able to pay your hospital bills, too often you can’t afford to swing the time in between your illness and your return to work.

If you can’t work, who buys the groceries, pays the electric bill and pays the mortgage?

I remember when my husband had a heart attack. I didn’t want to be away from him for a minute and needed to take time away from my own job while he was also taking time away from his. This is the kind of scenario that can break most families. Fortunately for us, it didn’t break ours. That’s why critical illness protection is so important.

Critical illness protection comes in a number of different forms, but its job is to help buffer the financial burden you’re often up against if you, your spouse or one of your kids requires care that means there is a loss of income to the household.

Even if you have the money to cover the extra expenses associated with a major illness, wouldn’t you rather pay pennies on the dollar for a premium cost versus taking on the expense out of your own pocket?

You can choose a cancer plan, an accident plan or a critical illness plan. There are many different options available, and we can decide together which is the best fit for you and your family.

As always, my guidance is free.

HealthMarkets Insurance Agency is located at 1039 Pearl Road, in Brunswick. Call Roni at 330-225-2550. Hours are Monday through Friday, 9 a.m.-5 p.m.; Saturday, Sunday and evening hours by appointment. Visit the website at

HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and the District of Columbia. Not all agents are licensed to sell all products. Service and product availability varies by state. No cost or obligation to enroll. HMIA005636