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Critical Illness Insurance at Work
AFN42797
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What You’ll Learn
• Why you need Critical Illness protection
• What Critical Illness protection can do for you
• How I can help you
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Medical Advancements
• People are living longer• Average life expectancy at birth1
– 1900: 47.3 years of age– 2005: 77.8 years of age
1National Center for Health Statistics – 2008; Table 27 – Life Expectancy at Birth
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Medical Advancements
• People are surviving more critical illnesses– The five-year relative survival rate for all cancers
diagnosed between 1996 and 2003 was 66%1
– As of June 15, 2007, the one-year survival rate for heart transplants for males was 87.4% and for females 85.5%2
12008 Cancer Facts & Figures, American Cancer Society2Heart Disease and Stroke Statistics – 2008 Update; American Heart Association
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Who Do You Know That’s Had…
• Lifetime chance of developing cancer is slightly less than 1 in 2 for men; a little more than 1 in 3 for women1
• Every 26 seconds, someone suffers a coronary event2
• Every 40 seconds, someone suffers a stroke2
12009 Cancer Facts & Figures – 2010 Update; American Cancer Society2Heart Disease and Stroke Statistics – 2008 Update; American Heart Association
•Cancer?Cancer? •Heart Attack?Heart Attack? •Stroke?Stroke?
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The Cost of Survival
• Costs such as:– Loss of income due to time away from work– Out-of-network treatment– Experimental treatment– Transportation and lodging for family members
and loved ones during treatment– Child care, housekeeping and other domestic
assistance
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How Critical Illness Insurance at Work Can Help
• Pays an up-front cash benefit upon diagnosis of a covered critical illness*
• Money that can be used any way you wish, such as:– Debts– Hired help for the house– A trip, to boost mental health*as defined in the policy or certificate
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Critical Illness Insurance
• Issue ages: 18 to 69• Available cash benefits: $5,000 to $75,000
Pays 100% For…Pays 100% For… Pays 25% For…Pays 25% For…•Heart Attack •First Ever Coronary Artery
Bypass•Stroke
•Cancer (Life Threatening)•First Ever Coronary Angioplasty
•Major Organ Transplant
•Renal (Kidney) Failure•First Carcinoma in Situ
(localized)
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Critical Illness Insurance
• Lump sum benefit pays for expenses other insurance doesn’t cover– Medical Insurance: Doctor visits, prescriptions– Disability Insurance: Replaces income during a
disability– Life Insurance: Pays beneficiary upon death
Now think about what a difference Now think about what a difference $10,000 or more would make in your life!$10,000 or more would make in your life!
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Benefits to You
• Critical Illness Insurance at Work offers– A portable policy– A policy with more affordable premiums than an
individual policy– Premiums automatically deducted from your
paycheck– Comfort of owning a policy from a strong, stable
and secure company
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How I Can Help
• Make an appointment with me, and we’ll discuss– Details – Benefits– Premiums
[Name][Name]
[Phone Number][Phone Number]
[Email Address][Email Address]This is used as a source of leads in the solicitation of insurance and an insurance agent (in WA: producer) may contact you. Critical Illness policy form numbers CIW or state equivalent. In ID, CIW-20147; in NC, CIW-19795; in OK, CIW-19657; in OR, CIW-19915; in PA, CCIW-19938; in TX, CIW-19755; in WA, CIW-22115. Underwritten by Mutual of Omaha Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175. These policies have exclusions, limitations and reductions. Products may not be available in all states. For costs and complete details of coverage, contact your licensed insurance agent. Mutual of Omaha Insurance Company is licensed nationwide.