Lifestyle Protector Benefits from SF&C InsuranceLifestyle Protector –
Critical Illness

More than 50% of all personal bankruptcies are due to critical illness of even only one family member. Could you survive financially, if you suffered a heart attack, a stroke or were diagnosed with a terminal illness? Suffering a critical illness is enough of a tragedy without having to think about dealing with the costs not covered by medical insurance. Wouldn’t it be easier to heal if you did not have to worry about finances? SF&C has several options to give you peace of mind:

Special Features:

10-year term life coverage, paying living benefits of 100% upon diagnosis of:

  • Cancer (life threatening)
  • Heart Attack
  • Stroke
  • Renal Failure
  • Major Organ Transplant
  • Terminal Illness
  • Guaranteed acceptance for coverage up to $25,000
  • Living benefits paid directly to insured
  • Renewable until age 60
  • Available up to $100 thousand without medical exams or fluids
  • Critical illness family rider also available either for spouses and children, or spouses only
  • 100% of face value payable to beneficiary upon death from any cause

Not even the best health plans cover all the related costs that occur when an individual is critically ill:

  • Home health care
  • Cost of care givers
  • Lost income
  • Daily living expenses
  • Co-pays and deductibles
  • “Experimental” Treatments
  • Housekeeping or Child Care
  • Maintenance of Family’s Quality of Life

 

Combined Critical Illness Coverage

Guaranteed acceptance, renewable and fully portable for Union Members over 18 and employed; available for spouses/domestic partners and children and dependent grandchildren up to age 27.

Features include:

  • Cash benefits paid directly to insured upon diagnosis
  • No hospitalization/treatment required
  • Triple Benefits paid for another covered condition; Receive up to 3x the face amount for each person covered

Covered Conditions:

  • ALS
  • Benign brain tumor
  • Cancer
  • Carcinoma in situ
  • Coma
  • Coronary artery obstruction
  • End stage renal failure
  • Heart Attack
  • Major organ Failure
  • MS
  • Stroke

Additional Benefits Paid For:

  • Mortgage & Rent Assistance
  • Hospital Readmission Benefit
  • Family Care Benefit
  • Cancer Treatment Benefit
  • Wellness Benefit
  • Advocacy Benefit

Transamerica Critical Illness Benefit

Guaranteed acceptance for coverage up to $25,000 per person, with additional coverage available with underwriting. Also available for spouses and children. Benefits paid up to $75,000 to cover:

  • Home health care
  • Cost of care givers
  • Lost income
  • Daily living expenses
  • Co-pays and deductibles
  • “Experimental” Treatments
  • Housekeeping or Child Care
  • Maintenance of Family’s Quality of Life

Critical Illnesses include:

  • Cancer (Life Threatening)
  • Heart Attack
  • Stroke
  • Renal Failure
  • Major Organ Transplant
  • Terminal Illness

What is considered a Critical Illness? How does this program provide protection and financial security? Call SF&C • 1-800-876-7768 • Gordon Hammann