Offer CI insurance at the workplace as a supplemental benefit

The risk of becoming disabled or suffering a critical illness is all too real. Couple that with the accompanying financial strain, and suddenly you can see there is a compelling need for CI insurance.
This is the message you can take to employers today, for they are listening. This is a coverage that fits in well with the modern voluntary insurance program. To see why, and view some strategies for presenting this coverage, let's review the basics.
CI pays benefits that can help insureds pay for direct and indirect costs associated with conditions such as heart attack, cancer, stroke, major organ transplant, and coronary artery bypass surgery.
Why is it on the radar screen today? We all know that medical advances are allowing people to live longer. But they are also creating a situation where illness or injury is more and more likely to disable than to cause death.
For example, heart disease is the leading cause of death for women, and one in three men can expect to develop a major cardiovascular disease before age 60 (American Heart Association, "1998 Heart and Stroke Statistical Update"). But a diagnosis no longer has to result in death. Statistics show the odds of surviving heart disease are good (see chart for an example) (full story)