A.T. Financial Newsletter
This winter just drawing to a close may well go down in the record books as one of the most extreme - in terms of weather, that is. And while there's not much we can do to protect you from extreme temperatures, you can feel confident that your portfolio is constructed to withstand market extremes.

The investments you hold have been carefully chosen to meet your need for security, income and growth -- regardless of market ups and downs. Regular reviews help us make sure it continues to meet your needs.

You might want to think of our approach as all-weather protection for your financial wellbeing.
FOCUS ON INSURANCE
Making a claim on your
critical illness policy
Think you're too young to face a critical illness? You're not. In fact, the risk of stroke for people between ages 20 and 64 has increased 25% over the past two decades.1

The good news is that you are much more likely to survive this kind of trauma than you were even 10 years ago.

Financial support during recovery
Whether you've been diagnosed with a stroke, heart attack, cancer, or any other life-threatening condition, your recovery is likely to be less stressful and maybe even faster if you have critical illness insurance. Critical illness insurance pays out a single, lump sum after you are diagnosed with one of your policy's covered ailments, which may include different types of cancer, heart attack, stroke, by-pass surgery, blindness, MS, and other serious conditions. To make a claim, you must first survive
the initial diagnosis. This period varies from policy to policy, but it's usually 30 days.

No restrictions on use
The money is tax-free (in almost all cases) and there are absolutely no restrictions on how you can spend it. So you could use it to make modifications to your home or vehicle, seek alternative healthcare options, or take the family on an unforgettable vacation.

If you also have disability insurance, we can investigate making a concurrent claim. The two policies are completely independent of each other and you may qualify for benefits under both.

If you don't have critical illness insurance, please contact our office at your earliest convenience. It can provide valuable financial support for you and your family.
1 Institute for Health Metrics and Evaluations, "Global Burden of Diseases, Injury and Risk Factors Study, 2010"
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