What A Pity They Didnt Have Critical Illness Insurance

 

 The Smiths were  an ordinary family.Mary was the housewife, James had a secure job driving for Hertz. They’d been wed for 17 years and had son aged 10 and a son aged 5 and a lived in a detached house in Bramhall South Cheshire. They were going to go on vacation to Moraira on the Costa Blanca at Christmas.

 So life was steady and they were very comfortable. They had loads of friends, mainly through  the school that their son and daughter attended and a pretty good social life.

 

 

 All of a sudden things changed. Richard had been having regular headaches for the past three weeks but didn’t take much notice of it – certainly not to have time off work to go to the Doctor. Alice had given him a packet of Nurofen to take to work just in case it became much worse.

 

 It was a Thursday and the day started just like any other. Jane was in her pyjamas in the kitchen making lunch for Richard to take to work. The children were at loggerheads as usual. Neil was in the bathroom washing.

 

 Then there was a loud bang. It wasn’t like a vase dropping on the floor. It was somehow ominous, like a huge bag of spuds falling. And it came from the bathroom.

 

 Alice’s heart fell. In some way instinct told her something wasreally wrong, very very wrong. In a trice she was up the stairs and pressed to the bathroom door. It swung open a tiny bit and stopped. She pushed and pushed but something was stopping the door from opening further. She wedged her head around the door and the blood drained from her face. There was Neil motionless on the floor, crumpled up face down.

 

 For a few seconds she tensed. Then she just screamed and screamed

 

 It took 25 minutes for the ambulance to arrive and just 4 more minutes for the Paramedics to diagnose that Peter  had just had a stroke. Would he live? To be frank he was very very ill. The Doctors would give her more information at the hospital.

 

 Peter did did recover. He had seven lengthy months in the hospital followed by three more months at a professional treatment centre. To begin with he was in a wheelchair but soon he began to walk small distances with the aid of crutches.

 

 But at age 35 he would never go to work again.

 

 Could this be your worst nightmare?

 

 figures show that 2 out of10 men and 2 out of ten women go through a serious illness before retirement age. Simon was extremely young to have had a stroke but life is full of risks.

 

 Simon’s  stoke came out of the blue but plenty of families do take out insurance to give financial help should something unfortunately happen. It’s know as Critical Illness Insurance. This sortof insurance gives out a tax free lump sum if the insured is indentified with a critical illness. A characteristicly insured sum would be in the £125,000 to £200,000 – it’s for the policyholder to fix. (What is a “critical illness” is made known within the insurance documents but they usually cover cancer, heart attacks and strokes and normally many of other illnesses and conditions as well.)

 

 

 

 

 Life Insurancecan’t help heal the stroke but it certainly could mean that financially, things were OK.