ALL Insurance is "risk management". Elite-VB is constantly staying abreast of what is happening in our world and how the risks of injury, illness and even how Covid affects our lives and our finances. Only when you know the risks, can you make informed decisions for yourself and your family.
One in Four that you will be disabled for more than one year during your working lifetime. Leading causes of disability: 26% is maternity, 13% Musculoskeletal (non-back), 10% back, and then digestive (9%) and cancer
Accidents are actually the THIRD leading cause of death in the United State with motor vehicle accidents as the leading cause of injury and then falls in the home as the second leading cause. The cost of half a billion dollars in out of pocket expenses
With Heart Attacks as the leading cause of death in the US and the risk of cancer being ONE in TWO for men and ONE in THREE for women, many of the costs are NOT covered by medical: loss wages, out-of-pocket expense, family time off, travel and more .
Covid has had a profound impact on our health and our lives. Many carriers pay a benefit for a Covid diagnosis, for vaccines and even testing. Benefits such as disability, hospital, life insurance and even critical illness can cover the financial effects of a Covid diagnosis and recovery
50% of the bankruptcies in the US are from an "unforeseen medical event" as many employees get sick (or hurt off the job) and can't survive on TDI or they don't have temporary disability. 40% of Americans have less than $1000 in savings which is why these benefits are so important
20% of employees have been a victim of identity theft with 44% of breaches caused by employees who unknowingly expose sensitive information to bad actors. Time: Identity fraud can take an average of 6 months and 100-200 hours of the victim's time...much of it at work.
But the risks are real. Now you know what the risks are, the benefits offered are designed to help you FINANCIALLY survive. It's about "peace of mind" with weekly premium costs equal to a fancy latte at Starbucks. Learn how prior policyholders purchased plans offered and the difference it made in their lives (below) as it doesn't matter who the carrier is. What matters is that these people had the policies in place BEFORE they needed it and were grateful to their employer for offering them the benefit at their workplace
Ensure you have coverage BEORE you need it!