Programs include:

HEALTH INSURANCE
Individual
Group
Short Term
Dental and Vision
• Health
Savings    Accounts

Life Insurance
Term
Whole
Universal
Variable Universal
Buy/Sell    Agreements

Disability Income Protection
Individual
Group
Business    Overhead

Critical Illness

Long-Term Care

Medicare and Supplements

Annuities

Retirement and Estate Planning

CRITICAL ILLNESS
Critical Illness coverage is fairly new to the insurance industry, relatively speaking. This is a product coming of age. A Critical Illness policy fills a huge void in the insurance industry that has existed for a long time.

"Not because you are going to die, but because you are going to survive." Dr. Marius Barnard

Your odds of being diagnosed, and of surviving are good.

A Critical Illness policy will pay you a lump sum of tax-free cash for the diagnosis of cancer, surviving a heart attack, stroke or any of the 13 major illnesses.

Questions, Thoughts and Statistics to ponder:

  • Are you working harder and with more stress than ten years ago?
  • Which of your creditors would be cutoff in the event you suffered a critical illness?
  • Who do you know who had a heart attack, stroke, cancer or any other critical illness in the past five years? Could they have used 100k, 200k or 500k of tax-free money to help out with expenses?
  • 97% of people with their first heart attack survive it. Only 23% of people with their second heart attack survive it. This is because of the stress that is caused by finances, family and work. Would you like to pay off everything after the first one?
  • Life Insurance does not pay in a critical illness situation, if you survive.
  • Critical Illness pays you upon diagnosis.
  • 30 out of 100 people will be diagnosed with a critical illness by age 65.
  • Only 3 out of 100 will die by age 65.
  • 3% of the total amount of foreclosed mortgages are due to death, 46% of the total amount of foreclosed mortgages are due to a Critical Illness.
  • What is your corporate policy for heart attack, stroke and cancer for yourself and the senior management?

Heart Disease: About every 29 seconds, an American will suffer a coronary event. 1 in 3 men can expect to develop some major cardiovascular disease before age 60. 1 in 10 woman can expect to develop some major cardiovascular disease by age 60.

Cancer: 1 in 2 men will develop some form of cancer in their lives. 1 in 3 woman will develop some form of cancer in their lives.

Stroke: On average, someone in the U.S. suffers a stroke every 53 seconds. Studies show that each year about 500,000 people suffer a stroke for the first time.

Sources: 1998 Heart and Stroke Statistical update, American Heart Association and 1998 Cancer Facts and Figures, American Cancer Society, Sean Long, veteran insurance agent.

Let Jones & Associates help protect you against a Critical Illness.

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2436 Jacksonville Hwy, Medford, Oregon 97501
Tel: 541.770.9563, Toll Free: 800.773.2078, Fax: 541.773.9568

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