Here are just a few of the products you WILL use in your life time...be prepared

 

Critical Illness Insurance

Why Critical Illness?    Not because you will die ... because you'll survive!  Survival Rates are up!

Critical Illness pays a lump sum benefit (that may be tax-free) upon the first confirmed diagnosis of a covered illness, medical procedure or death.

Most importantly, the cash benefit is paid directly to you to use any way you choose!   Like meeting your mortgage, car note, putting food on the table etc.

No receipts need to be presented. Its a check made out to you. Receiving the benefit does not change payments from any other insurance plan you may have whether its health, disability income, or workers compensation. The money is yours to ease the financial stress that a critical illness creates.

Approximately 780,000 people suffer strokes each year

Approximately 1.2 Million people suffer heart attacks each year

More than 1.4 Million new cancer cases were estimated for diagnosis in 2010

Approximately 5.7 Million stroke survivors are alive today

COLORADO BANKERS LIFE / Critical Illness Protection   Click to view plan details, rates or to apply on-line.

 

Accident Coverage

Accidents are just waiting to happen...be prepared !

Accident plans covers your expenses from an accident with a lump sum payment from the reusult of an accident.  

VBA 24 Hour Accident Coverage   Click to view plan details, rates or to apply on-line.

 

Disability Income Insurance

Could you still pay your bills without your job?

What would you and your family do if your paychecks suddenly stopped because you were too sick or injured to work?

How quickly would your savings account last as your bills continued to mount? What would you do if you had to one day choose between paying your mortgage or your car payment, because you don't have the income to pay both?

If you're like most people, your paycheck is a lifeline to your family's financial stability. If you cannot work to earn a living, your family is headed for some very difficult times.

Disability Income insurance can help ease some of the financial difficulty associated with an illness or injury that keeps you from working.

 

Annuities

Who else is going to help you prepare for your retirement?

If you're like most people, you depend on your paycheck to pay your monthly living expenses. Disability insurance helps to cover these financial responsibilities should you have an illness or injury that makes you unable to work.

Many different disability insurance products are available to help protect you and your family against severe financial hardship that may accompany a disability.
Disabilityinsurance

Disability Insurance provides a monthly income in the event you are unable to work due to an injury or illness. This type of coverage is crucial for self employed individuals and people who do not have disability insurance through their employer.
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Long Term Care

Are you part of that 50% that will need it?

There's a good chance that you may need to pay for nursing home, assisted living or, home health care one day. In fact, more than half of the U.S. population will require long-term care at some point in their lives.

If you're concerned about being financially secure during your retirement years, you owe it to yourself and your loved ones to protect yourself against what could be the greatest threat to your financial security, the cost of long-term care.

 

Call us...we will go over it with you in more detail...to make more sense.