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Expat Financial Planning Solutions

Providing Clarity For Investors Since 1985

Critical Illness - Planning For The 1 In 3 Probability


Q - What could possibly be worse than death ?

A - Dying 'just a little bit' and then having to endure survival

We all know the statistics right ?

“1 in 3 men will develop a life-threatening cancer”

“A new case of cancer is diagnosed every 4 minutes”

“Every year over 330,000 people in Germany have a heart attack or contract cancer”

“1 in 2 Canadian heart attack victims are under age 65”

“75% of males survive more than 5 years after a heart attack”

“Every year in the UK there are 100,000 strokes. 75% are still alive a year later”

Now ask yourself the following questions :

  • If you dont have medical insurance - who pays your hospital bills ?
  • who pays for your health care expenses not covered by employer and government plans ?
  • who pays for your additional expenses incurred due to the illness – e.g. travel, child care ?
  • whor replaces your lost income for a spouse or parent to take time off to provide care ?
  • who pays your mortgage and other debt repayment commitments ?
  • if your spouse or partner is diagnosed do you have the financial resource to stop working and provide the care and support desperately needed ?

Still not sure you need critical illness protection ?

"The Financial Impact Of A Cancer Diagnosis" is a very well researched and written study by Linda Sharp - the summary document is compelling reading.

The four short videos below each tell a separate and compelling real life story.

Sue - a New Zealander who was unexpectedly diagnosed with breast cancer talks about the massive disruption to her life and business and how insurance played a part in enabling her to have choices.

Bill - aged 46 and married with 3 young children is devastated when a PSA test result confirms his prostate cancer. Bill explains the choices his critical illness claim has provided him and his family.

Alan - prior to his multiple sclerosis diagnosis Alan was a UK based financial advisor. Being a true advocate of critical illness protection he purchased protection for himself. Alan explains what its been like transitioning from somebody who sold critical illness plans to becoming a claimant.

Laura - an American lady having just been diagnosed with breast cancer now has to additionally contend with a loss of income after being fired by her employer

Duration 4 mins

Duration 3 mins

Duration 3 mins

Duration 4 mins

Further resources

Market Indicator - Momentum fund management provide insightful views on their belief of market direction
Video Updates - Watch and listen to our Discretionary Fund Manager (DFM) partner videos. The videos provide an insight to the managers thoughts and feelings in respect of market events alongside specific details on portfolio performance
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Our Blog - Commentary and updates on market events - insurances - pensions - investments - taxation and all other issues related to expat financial planning