Remove Some Of The Pain With Critical Illness Insurance
The Peters were an everyday family.Alice was the housewife, James had a steady job driving for Stagecoach. They’d been wed for 13 years and had a daughter aged 11 and a daughter aged 8 and a lived in a semi-detached in Handforth South Cheshire. They were going to go on vacation to Denia on the Costa Blanca in the summer.
So life was steady and they were very happy. They had a lot of friends, mostly through the school that their children went to and a busy social life.
And then all of a sudden things changed. Neil had been having regular headaches for the past two weeks but hadn’t thought much about it – certainly not to take time off work to see the Doctor. Sophie had given him a packet of Nurofen to take to work just in case it became a lot worse.
It was a Monday and the day began just like any other. Jane was in her dressing gown in the kitchen making a salad for James to take to work. The kids were disagreeing as usual. Richard was in the bedroom getting dressed.
Then there was a big thump. It wasn’t like a plant pot dropping on the floor. It was somehow more worrying, like a big bag of spuds falling. And it came from the bathroom.
Mary’s heart fell. Someway instinct told her something wasreally wrong, very very wrong. In a flash she was up the stairs and pressed to the bathroom door. It swung open a foot or so and ceased. She pushed and pushed but something was preventing the door from opening any more. She squeezed her head around the door and the blood seeped from her face. There was Simon motionless on the floor, crumpled up face down.
For a minute she froze. Then she screamed with horror
It took 25 minutes for the ambulance to come and just 3 more minutes for the medics to confirm that James had just had a serious stroke. Would he live? To be frank he was seriously ill. The Specialist would be able to confirm how serious things were at the infirmary.
Neil did get better. He had 3 long months in the hospital followed by two more months at a professional rehabilitation centre. To start with he was wheelchair dependant but later he began to walk slowly with the aid of a walking frame.
But at the age of 34 he would never go to work again.
Does this activate your worst fears?
Data shows that 1 in 5 men and 1 in 5 women endure a critical illness before retirement age. Simon was extremely young to have had a stroke but life is a game of chance.
Joe’s stoke came out of nowhere but hundreds of thousands of families do have insurance to impart financial help should something like this crop up. It’s referred to as Critical Illness Insurance. This sortof insurance gives out a tax free lump sum if the policyholder is indentified with a critical illness. A typical insured sum would be in the £125,000 to £250,000 – it’s for the insured to fix. (What is a “critical illness” is made known within the insurance documents but they nearly always cover strokes,cancer and heart attacks and normally many of other conditions and illnesses as well.)
Life Insurancecan’t help mend the stroke but it could make sure that financially, things were tolerable.
