Specialized Benefits

So in the past week we have had two untimely deaths of celebrities – Michael Jackson and Farah Fawcett. I am a little too young to be one that was all “gaga” for Farah back in the mid seventies/early eighties (born in ‘75), however, I still have MJ on my iPod and consider his music to be some of the best of all-time. Essentially he created a whole new world of pop music – the boy bands, the Britney Spears and the Justine Timberlakes of the world would likely have nothing to go off of if it weren’t for MJ. All personal life dealings and his previous 16 years of “troubles” aside – I still respect what he did for music.

How this relates to insurance? It doesn’t – but it is just my $.02.

What it does relate to is how these people died – stroke and cancer. Both critical illnesses. The amazing thing about many illnesses is that they do not pick on one particular category of person. Black, white, male, female, younger, older, rich, poor, healthy lifestyle or not (okay that helps a little), celebrity or average joe. Some live for years after diagnosis, others are dead on the spot.

It is the true equalizer. What is one to do?

What you can do though is protect yourself, your lifestyle, and your loved ones by having Critical Illness Insurance. This is a “living” benefit – as opposed to a “dying” benefit (which is what life insurance is for). You have survived a critical event – such as cancer – but now your life has taken a serious change. If you have seen the Farah Fawcett documentary – you know the changes that occurred in her life. Perhaps you can’t work, perhaps you want to have the latest and greatest medical care, or maybe you want to go on the “last trip” with the ones that you love.

Critical Illness Insurance pays a tax free benefit after surviving 30 days from a named critical event – and you can use the money in whatever way that you want! Many policies even have a cash back feature that allows you to get your premiums back if you do not get sick!

For more details, give me a call or drop me a line.

I wish you all a happy Canada Day – or for some of us hockey diehards – Free Agent Day!

Go Blue!

Rhett

Good Day All!

Long time no blog – personal life has been taken over a little as last month I took the plunge and “popped the question”. Fortunately, she said yes!

Needless to say – we have been busy hosting engagement parties, talking with parents, setting dates, finding venues, photographers, DJs, bridal party people etc….

It is truly amazing the things you have to do more than 14 months in advance! But I think we have the most important things done and in place.

It is with that thought I wanted to go with today – we plan so much in advance for this wonderful day in our life – yet most people spend little time planning/preparing/protecting our financial and health future.  Perhaps it is because I’m “in the biz” – but one of the other things I have done is purchased more life, critical illness, and disability insurance  for myself and my fiance.

God forbid that something happen in the next 14 months and my ability to pay for the wedding becomes jeopardized. Plus we have to think about our future children and protecting them.

So even though it is a great thing getting engaged and their is lots of excitement and planning – it is important to keep focused on the long term importance of protecting the ones you love.

Looks like summer is here – get out and enjoy it with those loved ones!

Cheers!

Rhett