“It will never happen to me…”

It was spring 2003, when my insurance advisor called me to set up an appointment to meet me at my office.  I had thought to myself, I have life and disability insurance what more do I need.  Being self employed and raised in a family where insurance was a priority, had me agreeing to meet to see what I was missing.

My advisor of 10 years whom I had trusted, suggested I buy critical illness insurance.  After explaining the benefits to me and the realization that I was self employed without the opportunity of sick pay,  made me agreeing to his recommendations to purchase the policy,

Years had gone by and premiums were paid, when in March  2010, the disbelief had become reality.  After 2 years of symptoms and having an MRI, the diagnosis came in across the fax…”demyelination related to MS”, my heart sank and I found myself reading the results  over and over.  “Multiple Sclerosis, this can’t be, not me”.

I immediately called my advisor for guidance and he proceeded to tell me that , “yes you will receive the benefit”. I put the wheels in motion and contacted my doctor and specialist to complete the necessary forms to receive my benefit.

After mailing in the paperwork, the insurance company send me a cheque within 10 days for the full  benefit amount.  “Wow”, I thought to myself, “this really does work.”  The thought of having some financial assistance to travel outside the country to receive alternative treatment, pay bills and put money on my mortgage was a relief

At times, I feel blessed with being part of this industry with a diagnosis of MS.  It becomes real to my clients, they have the opportunity to learn firsthand how my experience of having critical illness insurance as part of my financial plan has paid off.  Pointing out that, “yes, it can happen to anyone”…but the message I can bring to my clients is, “we don’t know what tomorrow will bring, but we do know that if it comes with surprises, we can be better prepared.”

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