Prayers are welcome, but I’m sending a check!

The hardest thing in life is the loss of a loved one. But almost as hard is having someone we love deal with cancer, or any other serious illness or accident. Or – even worst – be the burden for your family if you are the one hit with such bad luck.  We’ve all been there: we all lost a dear someone, or had a friend or relative that had to deal with a serious health issue: we’ve sent our prayers, simpathy thoughts,  sent a Get Well card, wishing them rapid recovery… It was tested and proven that human body and mind recover better when there is a great moral support system for the suffering person. You fight better when you know there is something worth fighting for.

But I’m taking it a step further: I’m sending a check with it!

We all know that with bad health, or loss of a loved one there is yet another negative: financial hardship. Medicine can be expensive, the doctors and hospital fees can be outrageous,  even with a great health insurance plan in place the co-payments or deductibles will create stress on our financial stability. Being prepared for these situations can help avoid financial ruin, foreclosures or loss of income.

How can you prepare for the unexpected?

– Chances are are 1 in 3 that you will be diagnosed with some form of cancer at some point in your life (Source: American Cancer Society). Cancer Insurance takes the financial hardship out of the picture, sending you a lump sum benefit check at first diagnosis of cancer. You can use the money for anything from alternative treatments, taking time off to spend time with your family, pay off the mortgage, etc. Benefits from $10,000 to $500,000 are available. Other critical illnesses are also covered: heart attack, stroke, major organ transplant or end-stage renal failure.

– Unexpected illnesses and injuries contribute to 62% of all personal bankruptcies filed in the U.S. and about 50% of all foreclosures (U. S. Census Bureau)! Disability Insurance will pay a monthly benefit in case you can’t earn an income due to a sickness or accident. How would you pay your bills if your payckeck would stop tomorrow? Make sure your last paycheck was not your LAST one!

– 98% of us will die at some point in our lives! At least that’s what Ricky Bobby tells us.  🙂  Jokes aside, we all know the two things certain in life: taxes and death. Life insurance can help with both: Life benefits are not taxable, and you can also use life insurance cash value as loans (tax free) and pay back at low interest rates which increase your cash value.

Either way, when the unexpected hits home you can at least have peace of mind that there will be a check coming to take care of the implicit expenses that always come along with any health issue or untimely death of a family member. So when you ask your friends and relatives for prayers, I will also be sending a check to help you and your family recover financially – but you need to make the first step now:  Get a protection plan in place today while you’re still healthy! Life can change in a heartbeat – don’t let a medical crisis become a financial one!

239-LIFE-GUY  or email

Author: LifeGuy

Daniel LifeGuy Dragan has 126 posts in this blog.

Daniel is a dedicated insurance expert with a focus on helping individuals, families and small businesses avoid financial disasters with Life Insurance products, Paycheck Protection (Disability Insurance), Retirement planning, Cancer and Critical Illness Insurance, executive and business protection plans. With his comprehensive knowledge and experience in financial protection, Daniel can help save money as well as get all your insurance premiums returned to you if you didn't use any of the benefits. "Return of Premium" insurance is one of Daniel's strengths and along with his personal approach to his customers' needs, one of the main reasons his clients are referring him to friends, family and business partners. Daniel offers free financial consultations and can be reached by email at or phone: (239) LIFE-GUY or 239-466-4466


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