Direct Benefits offers critical illness insurance so that you can avoid the financial strain that a major illness can create. With a critical illness insurance policy you'll have the peace of mind that you'll get the treatment you want, be able to spend time with your family and friends and not lose your home or other assets.

Do you know someone who has experienced cancer, a heart attack or a stroke and survived physically?

Approximately 1.2 million people will suffer heart attacks each year.1
Approximately 780,000 people suffer strokes each year.2
More than 1.4 million new cancer cases were estimated for diagnosis in 2007.3

The Timber Ridge was designed to help offset the financial impact of a surviving a critical illness.

The Timber Ridge is a 10 year renewable and convertible term life insurance policy with a critical condition accelerated benefit rider.

100% of the policy face amount is paid upon first diagnosis of any of the following:
Heart Attack
Life Threatening Cancer
Stroke
Major Organ Transplant
Terminal Illness
Renal Failure
Death from any cause
Advanced Alzheimer's Disease
Loss of Independent Living
Loss of Limbs
Major Burns
Paralysis

25% of the policy face amount is paid upon first diagnosis of any the following:
Coronary Bypass surgery
Hearth Valve Replacement/Repair surgery
Aortic surgery

10% of the policy face amount is paid upon first diagnosis of:
Angioplasty
**Some exclusions and exceptions apply. Some benefits may differ or not be available in some states.**

Critical illness insurance pays in addition to any other insurance you have!
The lump sum cash benefit can be used for:
Home Health Care
Cost of Care Givers
Lost Income Self/Spouse
Daily Living Expenses
Co-Pays & Deductibles
Mortgage Payment
Car Payment
Experimental Treatments
Housekeeping or Child Care Expenses
Maintenance of Your Family's Quality of Life

Timber Ridge Market Niches - Critical Illness Insurance has you covered!
Mortgage Protection - Would your mortgage be paid off is you had to stop work to recover from a critical illness?
Worksite - Excellent voluntary benefit offering to help employers with the rising costs and cut backs related to core benefits.
Buy/Sell - Business partners may be covered to buy out a partner that becomes critically ill.
Health Insurance - This is an excellent supplement to cover the gaps associated with medical insurance, co-pays, deductibles, experimental procedures.
Singles - Who will take care of a single person if they are critically ill?
Existing Clients - This policy is a great supplement to fill gaps from existing coverage.
Disability Supplement - Lump sum payment can help fill the gap left behind from short term or long term disability.
Family Protection - To help cover the continuing expenses and hidden costs a family will incur during the recovery of a critical illness.

Bankruptcies due to Critical Illness:
50.35% of personal bankruptcies were caused by illness or medical debts
2 million Americans are estimated to have medical caused bankruptcies each year
63.8% of debtors that had medical bankruptcies also had health insurance at the time of filing
$13,460 was the average out-of-pocket medical expenses covering co-pays, deductibles and uncovered health services for bankruptcy filers

Simplified Issue
One Page Application
Online Application Submission Available
Credit Card Payments Available for Online Sales
Same Day Application Processing
Online Commission Statements
List Bill available for worksite sales
Wouldn't a Check be Better than a Get Well Card?

Sources
1. American Heart Association, know the facts, get the stats, 2007
2. American Heart Association, Heart and Stroke Statisitical Update, 2008
3. American cancer Society, Cancer Facts & Figures, 2007
4. Harvard University Study, David U. Himmelstein, M.D., Elizabeth Warren, J.D., Deborah Thorne, Ph.D., Steffie Woolhandler, M.D., M.P.H.

Click Here For Colorado Bankers Critical Illness Forms

Click Here for Free Quotes and Online Enrollment!