Should you suggest that your clients obtain critical illness insurance or long-term care coverage for their old age? A lot depends on the client’s health and financial needs. Critical illness insurance is often viewed as a supplementary product, and sales are small. The coverage pays a tax-free, lump-sum cash benefit upon diagnosis of a covered critical illness, such as cancer, heart attack, stroke, kidney failure or a major organ transplant. Cancer is responsible for 61 percent ...

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