We were all raised to understand that accidents can and do happen. I remember when I was a child and I bumped a cup and spilled my drink of milk my mother wasn’t upset; she just said, “Accidents Happen”.

Patient talking with paramedics after accident  aid emergency arm injury
Patient talking with paramedics after accident aid emergency arm injury

No one likes to think about being in an accident but, how often do you turn on the radio or and hear about someone in the wrong place at the wrong time? We have such an invincible state of mind, it reminds me of the Charlie Major song “It can’t happen to me”.

Why don’t more people have AD&D coverage? The top two reasons I have heard are; “I won’t qualify” or “It’s too expensive”.
Recently I was introduced to a company that prides itself on providing non-medical life insurance, critical illness, and accidental death and dismemberment at affordable premiums. The following is a brief overview of these types of insurance.

Non-Medical Life Insurance:
If you are a smoker, have been turned down for life insurance in the past, are overweight or suffering from health complications due to weight, or if you do not want to go through a medical exam, then you should consider Non-Medical Life Insurance, as a great way to protect your family from harm, should you pass away. After all, providing for your family has always been the top priority for you.

Critical Illness:
As we age, the issue of critical illness becomes a more prominent concern. Recovering from a serious illness is a daunting task on its own, without also worrying how you and your loved ones will make ends meet. In addition, you may be faced with additional cost of treatment, travel and experimental treatment that are not covered by our universal health care system.

Accidental Death and Dismemberment:
No matter how careful you might be, driving your car, working about the house, or at your job, accidents unfortunately do happen. AD&D insurance provides you and your family members with extra protection, in the event of an accident that results in death or serious injury. The amount paid out depends on the type and severity of the injury; the more severe the injury or accident, the greater the payment will be.

You owe it to yourself and your family to keep them protected. Contact me today at 519-940-0085, for a free consultation to review how we can help you avoid the financial duress a life changing injury or illness can cause.

Charlotte Graham