Dread Disease

Dread Disease Cover

Serious diseases usually strike without any warning – whether you suffer a heart attack,
fall victim to cancer, need an organ transplant, or lose your eyesight or hearing.
You may not necessarily be medically unable to continue working, and therefore you may
not be able to claim disability cover. And it is exactly at times such as these that
you will need extra cash – and dread disease cover to generate that cash.

What expenses should you provide for?

• Your medical scheme may not cover all the costs. You will therefore need money to pay additional medical accounts.
• It may benefit you to remain in bed for longer, rather than slowing down your recovery by returning to work too soon. Your savings account will possibly not be sufficient to carry you financially until you make a full recovery.
• Any additional medical costs.
• Treatment in a recuperation clinic.
• Professional medical care at home.
• Your basic expenses, such a home loan or car payments.
• Childcare.
• Long leave to convalesce.

You will receive a full or partial lump sum payment of the amount insured, should you be diagnosed with any of the following:

• Cancer
• Heart attack
• Stroke
• Blindness
• An organ transplant
• Chronic kidney failure
• Bypass operation and angioplasty
• Rheumatoid arthritis
• Multiple sclerosis
• Parkinson's Disease
• Loss of use of a limb due to medical causes
• Benign brain tumour presenting malignantly
• Lung embolism
• Total deafness
• Accidental full blown Aids
• Alzheimer's Disease
Ever thought about the likelihood of suffering from a dread disease?
You should, because it can easily happen to you.

In South Africa, medical statistics show that 1 in 3 men and 1 in 4 women will suffer a cardio vascular disease (e.g. a stroke or heart attack) before the age of 60.
Thankfully, doctors will tell you that survival rates are good.

Did you know that;
• most heart attack patients admitted to hospital survive;
• 70% of people who suffer a stroke survive
• many cancer patients are alive five years after diagnosis; with many dying of old age.
• 25% of people who suffer heart attacks had no symptoms previously?
• In South Africa, there is one heart attack every 8 minutes?
• 1 in 6 South African men and 1 in 7 South African women will get cancer during their lives

What would you and your family do if you suffer a dread disease - such as a stroke -
that left you unable to earn a living?
How could you meet the costs of your bond, car, kids education and keep your pension
savings going?
So, I ask you again...Are you sure that it will never happen to you?

Each and every one of us has a chance of experiencing a life-changing
illness - it knows no boundaries of creed, gender, race or age. Almost
one-third of stroke patients are between the ages of 15 and 49.
Medical care can save you, but it can't save your wallet! You could
live for many years, but have severe financial pressures living with
the effect of a life-changing event.
You may not loose your life, but you could loose your life savings.
Dread disease cover protects your lifestyle, retirement savings and
investment portfolio by providing you with the financial cushion you
need to fully recover. The payment of a tax-free lump sum, while you
are recovering will most certainly help the healing process!

And it pays on diagnosis - no waiting period - providing immediate
income before your disability benefits start.
If you or a family member suffered a severe illness, could you handle
the extra expense of recovery?
Almost everyone knows someone who has suffered a dread disease. You
may be motivated by first-hand observation of a relative or friend
being the victim of a severe illness and surviving, but moving into
a new world of residual physical impairments and the aftermath of an
ongoing medical bankruptcy.

In short, you realise that to a dread disease survivor, a R500,000 cheque
would be a lot better than a get-well card!
The last thing you want is to be financially dependant on a loved one.
No dignity.

You also don't want to become a full-time or part-time caregiver for
a family member.

Well, now is the time to do something about securing your and your
family's financial future.
Dread disease cover is the only way to make sure that you will have
the money to live your life with dignity. It is truly a Living Benefit.
You don't have to die to collect. You are the beneficiary of your
own policy. It really is life insurance, not death insurance!
And the time to take it is now, while you still can.

Waiting to buy dread disease will increase the cost of premiums
substantially. Suffer a life-changing event and you may never be
able to get cover. It will be too late.

The policy will pay you tax-free cash, to use as you wish.
You owe it to yourself and your family to consider this cover.

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