Hi There!

I'm Teresa

In 2021, I had a rude awakening... I was diagnosed with invasive cancer. Little did I know that my life insurance policy would actually save my life.

Now, why would I make a bold statement like that? Read on to find out....

Cancer Stats:

First, let’s cover some cancer stats. According to AARP, as of 2018, the average cost of cancer treatments was $150,000. In my personal experience, the total cost of my treatments and surgeries were north of $275,000 in 2022. I know, inflation, right?

Plus, not only are cancer patients two and half times more likely to file for bankruptcy compared to their healthy counterparts, but cancer patients who go bankrupt are eighty percent (80%) more likely to die from the disease than cancer patients who could afford their treatments, according to studies from the Fred Hutchinson Cancer Center in Seattle.

I believe it’s because their immune systems are further challenged by the stress caused by the financial burden of the disease.

$283K

Annual cost of newly approved cancer drugs

62%

Cancer survivors report being in debt because of their treatment.

3%

Cancer patients will go bankrupt due to the disease

80%

Mortality rate of cancer patients who filed for bankruptcy

How my policy saved my life

My life insurance policy came with living benefits riders, which means that in case I get diagnosed with a critical, chronic, or terminal illness, I’m allowed to accelerate the death benefit, which is the money that my husband and daughter would’ve inherited in case I passed away.

In this case, since I was diagnosed with cancer, which is considered a critical or terminal illness depending on the stage, I was able to get money from my life insurance policy. This allowed me to focus on my health and healing and not stress about the financial burden of the disease.

Thankfully, I’m happy to say that I am now cancer-free!

Life Saving Living Benefits

If you were to fall terminally, chronically, or critically ill, you'll be able to accelerate a portion of the death benefit to help with the cost of treatments or lost wages.

Dr. Mariuas Barnard

Critical Illness Insurance

Kip & Danny Smalls

Living Benefits Recepient

Jessica's Story

Living Benefits Recepient

408-840-3928

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