Remove Some Of The Pain With Critical Illness Insurance

 

 The Smiths were  an ordinary family.Jane was the homemaker, Neil had a regular job driving for Stagecoach. They’d been together for 14 years and had son aged 7 and a daughter aged 4 and a lived in a semi in Bramhall in Cheshire. They were thinking of going on holiday to Benidorm on the Costa Blanca in the summer.

 So life was constant and they were very settled. They had loads of friends, mostly through  the school that their children went to and a good social life.

 

 

  And unexpectedly things changed. James had been having mild headaches for the past two weeks but didn’t take much notice of it – certainly not to take time off work to see the Doctor. Jane had given him a box of paracetamol to take to work just in case it became much worse.

 

 It was a Thursday and the day began just like any other. Jane was in her pyjamas in the kitchen making a salad for Simon to take to work. The children were at loggerheads as usual. Richard was in the bedroom getting dressed.

 

 Then there was a big thump. It wasn’t like a vase dropping on the floor. It was somehow more worrying, like a big bag of potatoes dropping. And it came from the bedroom.

 

 Jane’s heart fell. Someway instinct told her something wasreally wrong, very very wrong. In a trice she was up the stairs and pushed at the bathroom door. It swung open a foot or so and stopped. She pushed and pushed but something was preventing the door from opening further. She wedged her head around the door and the blood drained from her face. There was Joe frozen on the floor, crumpled up face down.

 

 For a minute she froze. Then she just screamed and screamed

 

 It took 25 minutes for the ambulance to appear and just four more minutes for the medics to diagnose that Neil  had just had a serious stroke. Would he live? To be frank he was seriously ill. The Specialist would be able to tell her more at the infirmary.

 

 James did get better. He had 5 long months in the hospital followed by four more months at a expert rehabilitation centre. To begin with he was in a wheelchair but soon he began to walk slowly with the aid of two sticks.

 

 But at age 36 he would never be strong enough to work again.

 

 Could this be your worst nightmare?

 

 Statistics show that 1 in 5 men and 1 in 5 women have a serious illness before their normal retirement age. Richard was unusual to have had a stroke so young but life is a game of chance.

 

 Peter’s  stoke came out of nowhere but a large proportion of families do have insurance to impart financial assistance should something unfortunately happen. It’s know as Critical Illness Insurance. This sortof insurance pays out a tax free lump sum if the policyholder is diagnosed with a critical illness. A characteristicly insured sum would be in the £125,000 to 255,000 pound range – it’s for the policyholder to decide. (What constitutes a “critical illness” is defined within the policy documents but they usually cover heart attack, cancer and stroke and usually many of other illnesses and conditions as well.)

 

 

 

 

 Life Insurancecan’t help heal the stroke but it could make sure that financially, things were tolerable.

 

 

 

 

 

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