Over 30 years of professional practice I’ve been telling clients to get Critical Illness Insurance and Long Tern Disability Insurance as part of their protection portfolio. 

Why? There is a 5 x greater likelihood of getting sick before age 65 versus dying.

I have had 19 Critical Illness claims to date, thank G-d only one of the claimants died and not one of my client claims has ever been denied.

These 4 claims occurred in recent months:

$250,000 to a 50 year lawyer diagnosed with breast cancer

$500,000 to a 57 year old lawyer diagnosed with prostate cancer

$100,000 to a 62 year old teacher who suffered a heart attack

54 year old dentist diagnosed with Multiple Sclerosis, who will receive $17,500 of monthly disability benefits.

The sun was shining when we took out those policies, no one expected to get sick.

Now they all regret not having more insurance.

We are so fortunate to be the only profession that helps people and families financially when they need it most -- so they can focus on getting better versus worrying about money.

I’m proud of my industry (which seldom gets the respect it deserves) and feel so fortunate to help families preserve their wealth, businesses and create legacies.