Health Care By Itself Does Not Afford The Protection Needed

To Properly Insure Your Family

Every 2 Seconds Someone Has A Accidental InjuryEvery 23 Seconds Someone Is Diagnosed With Cancer

Every 34 Seconds Someone Has A Heart AttackEvery 40 Seconds Someone Has A Stroke

The statistics alone are Alarming. So why is it that the financial impact they have on a business or a family is never discussed.

Catastrophic claims, in the majority of cases, create additional expenses like, loss of all or part of yours or your spouses income, travel to the best doctors and hospitals, non-covered medical expenses, experimental or alternative medications or treatments, alternative child care and home adaptations just to name a few.

When you buy a health insurance policy, the agent says “After You Satisfy Your Deductible And Co-insurance You’re Covered At 100%.” You think you’re adequately insured and all of a sudden you owe $25 or $30,000 in expenses associated with a major claim that no health insurance policy covers.

Accident & Critical Illness Claims Represent 87% Of All U.S. Medical Expenditures

This Year There Will Be 87,135,000 Accidental Injury And Critical Illness Claims – 28% Of Our Population

The Odds Of Having A Disabling Injury Or A Critical Illness Before Age 65 Are

At Age 30 – 1 in 5.8

At Age 50 – 1 in 4

Source; National Safety Council 2002National Association For Critical Illness 2010Emergency Department Summary Tables 2008

At Age 40 – 1 in 5

At Age 60 – 1 in 2.8

Costly Accidents Or Illnesses Trigger 60% Of All Bankruptcies And 49% Of All Mortgage Foreclosures Even Though 77.9% Of Those Had Health Insurance

Accident Claims Represent 18% Of

All U.S. Medical Expenditures

84.1 Million Medically Treated Accidents In 2010 Every 2 Seconds There’s A Accidental

Injury 2,330 Disabling Injuries Occur Every Hour 20,410,800 Per Year

2.9 Million Were Admitted To The Hospital For An Average Of 5.5 Days

Average Work Loss 9.5 Weeks

42.4 Million Were Emergency Room Treatments

39.1 Million Were Urgent Care and Dr Visit Treatments

Source: National Safety Council 2002Ambulatory Medical Care Utilization Tables 2006Emergency Department Summary Tables 2008The University Hospital - Newark, New Jersey -National Study 2010

Every 23 seconds there’s a cancer diagnosis.1.4 million new cases this year in the U. S.

66% of men and 63% of women will survive.Represents 32.7% of all medical claims

Every 34 seconds there’s a coronary attack785,000 new cases this year in the U. S.

58% will survive.Represents 18.4% of all medical claims

Every 40 seconds there’s a new first stroke600,000 new cases this year in the U. S.

85% will survive.Represents 14.2% of all medical claims

Alzheimer's – Burns – Paralysis – ComaRepresents 3.7% of all medical claims

Cancer

Heart

Other

Stroke

Critical Illness Claims Represent 69% Of

All U.S. Medical Expenditures

Source: Center for Disease Control and Prevention Cancer Facts and Figures - American Cancer Society 2009Heart and Stroke Statistical Update - American Heart Association 2009

Are You Capable Of Handling The Steep Cost Of Surviving A

Critical Illness Or Serious Accident

As our life expectancy continues to increase, principally because of advancements in health care technology, we find ourselves in a catch 22.

The Positive; Survival rates for a major illness or accident are increasing. (1995–2005 deaths from heart disease declined by 34%)

The Negative; The costs of extensive or non-insured treatments as well as costs associated with a loss of income while in treatment or recovery can lead to a loss of assets, bankruptcy and or mortgage foreclosure .In 2010

1.6 Million People Declared Bankruptcy 861,664

People Lost Their Homes

60% Of The Bankruptcies Were Due To Medical Bills 77.9% Had Health Insurance

49% Of The Foreclosures Were Because Of Medical Problems (57%) Medical Bills (29%) Lost Work (14%) Sick Relative

Source; Harvard University Study 2011Harvard Law School Study - C. Robertson, R. Egelhof, M. Hoke - 2009

The Solution “A Structured Asset Health Plan”

Providing A Balanced Risk Management Strategy

Insurance is defined as a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. It involves the pooling of funds from many to pay the losses that some may incur.

In today's world insurance covers a stubbed toe better than it covers your assets. The reality is that the average consumer spends substantial premium dollars on benefits that have little or no impact on the losses associated with a catastrophic claim.

If you reallocated those premium dollars to a

“Benefit Package” rather than just a health insurance policy, you would create comprehensive coverage, with little or no potential of loss of assets, mortgage foreclosure or bankruptcy.