Critical Illness Dartboard- Must Read

Dear My All,
Let’s say God came into your dream tonight and convinced you that you are going down with one of the critical illness tomorrow.
Unfortunately after you woke up, you realized that God did not tell you which illnesses you are going to get, not a very good God, but at least He told you before hand, unlike your neighbor who had a stroke and went away just like that without a sen to claim from his insurance.
The next thing you did was to call up your insurance agent and told her to come into your house right away. While waiting for her, you continue to guess which illnesses God will strike you with today. You realized since there’s no way you can find out, you might as well cover yourself with as much protection as you can.
Finally, your agent arrives, and after telling her your premonitions, she immediately ask you to sign on the critical illness insurance application form, at the same time checking to see if you’d just went coo-coo (a contract signed with a non-sober person is not valid).
You deliberated for a while and asked quietly in your head, “What if God is playing a trick on me? If I used up all my money to top up my critical illness policy, and if it happens to be a trick God is playing with me, I would have no money to continue paying the policy next month!”?
Once again, you are stuck in a dilemma and you finally decided that the best way is to top up as much as you can financially afford while not having to make too much a change in your family’s existing lifestyle. Also, if God was serious, you have to make sure that your existing coverage would provide adequate fund for the following:
1) Expenses during your stay in the hospital.

2) 1-2 years expenses incurred by your household in the case of you not being able to work

3) Your boss is most likely going to give you “permanent leave”. How would that affect your existing cash flow, your loans and various other financial commitments.

4) Post-hospitalization treatment expenses. Don’t expect to be able to jump around and start kicking ass the minute you are out of the hospital.
It’s not called CRITICAL illness for no reason.
Chances are your post-hospitalization expenses might be as costly as your hospital bills.
Finally, after much deliberation, you topped up your critical illness policy to an amount you are comfortable with- one that can take care of your illnesses and family expenses (if God was serious), and one that wouldn’t tax you to the point you have to downgrade your lifestyle too much (if God was just kidding).

After all, you realized, with adequate critical illness coverage, you get better sleep at night, and even if God was kidding, your critical illness policy would still amount to quite a bit of savings when you decided to terminate it many years later.


Please get insured immediately. Life is full of surprise.
Contact me to inquire about life insurance planning.