An Exceptional Offer – $250,000 of Child Critical Illness Cover worth $300.00
Children are supposed to have loads of fun! Play hide and seek, climb and run around in the play ground and jump puddles. Not all kids have the same vitality as they are too sick to join in the fun.
Anna, is a little girl who had just celebrated her third birthday in fine style. A party with her friends and family complete with ice cream cake, a visit from a fairy princess and of course, lots of pink.
Anna is a typical toddler, but over the next two years she faces a heart-wrenching battle to defeat the leukaemia she was diagnosed with shortly before her memorable birthday party.
Her story is not unique. We’ve all heard similar tales from within our community, and from friends and clients.
For the majority of us, protecting our family financially is a key consideration as, while no one wants to imagine their child getting sick, the facts surrounding childhood illness are sobering.
According to the statistics, more than 558,000 children aged 0 – 4 were admitted to hospital in 2007-2008 and 200,000 children fall critically ill each year in Australia.
According to the Children’s Cancer Institute of Australia (CCIA), on average, three Australian children die from cancer every week making it the largest killer of children from disease.
Of course, there is a great deal of research and work done to improve treatments with survival rates in Australia at about 75 per cent across all types of childhood cancer. This is a far cry from the rate prior to the 1960s, where childhood cancer was almost always fatal.
If your child suffered a traumatic event, it is natural for every parent to want to be able to try and create a situation where any additional stress is minimised in order to be able to be there to support the child.
Being able to take time off work to care for a sick child, without having the insurmountable pressures of worrying about work or earning an income, is truly a gift. It’s one that is easily obtainable if some forward planning has occurred first.
Most people mistakenly believe that private health insurance covers their family if there is a medical problem. However, private health insurance only covers hospital stays and some medical or extras expenses. It doesn’t cover rehabilitation, alterations to the home or long-term nursing care.
It certainly doesn’t cover lost income from time away from work, or payments such as mortgage, school fees or other additional expenses which still accrue – whether your child is sick or whether you can’t work while you’re taking care of them.
Ask me about the offer for the Child Cover option pays out a lump sum of up to $250,000 if something traumatic were to happen to a child. The flexi-linking enhancements can help make premiums more affordable by enabling clients to bundle insurance inside and outside of superannuation.
This new enhancement is available to clients via Super offering or for Self-Managed Super Fund (SMSF) members too.
Not all families require $250,000 criticla illness cover for each child either. Some may choose from $10,000 to $50,000 and others choose more but no cover in currrent times is probably not a sensible option especially with both parents relying on double incomes.
If you feel that this is a difficult conversation to have about your child or children then please feel free to call for an empathic talk with me first. You are most welcome.
You can visit me on the AFD website or click here http://www.adelaidefinancialadvice.com/marcia-walsh/