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
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
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"