Critical Illness: It “CAN” Happen to You or Those You Love!

Life Insurance

When a sudden and shocking diagnosis or acute medical condition presents itself, such as the diagnosis of cancer or the onset of a heart attack or stroke, we are often left dumbfounded, in awe, trying to figure out if the reality is “really” happening. Once we realize it is, how do we handle it? Human Nature often creates an initial reaction to a state of discomfort experienced when our beliefs are undermined by facts, known in psychological circles as “cognitive dissonance”, we will be inclined to perform 1 of 3 actions:

1) IGNORE the facts that contradict our beliefs;

2) RATIONALIZE our continued behavior;

3) CHANGE our behavior and accept the reality of the situation

For most people beyond the shear hope that the person is going to come away from it and survive to tell the tale, there are also those worries about finances and how all the care, treatment, and general bills will be taken care off. We always like to believe (because this is a lot easier for us to deal with) that a catastrophic situation like the ones mentioned above won’t happen to us or the ones we love. The sad reality is that NONE of us are 100% exempt from these calamities. Whether we have a healthy family history or a healthy exercise and diet routine we are never totally safe.

Statistics don’t lie and we really should consider what they stand for. Did you know that 1 in 2 men or 1 in 3 women will develop some form of cancer in their lifetime? Did you know that 2 in 3 men or 1 in 2 women will develop some form of cardiovascular disease in their life time?[1] I don’t know about you, but I find those to be rather “discomforting facts.” So how do I handle them?

Will I simply ignore” the facts and act like they do not exist, move on with my life and fail to think about what the effect of any of those illnesses would have on those I love and those that love me? Do I “rationalize” in a way that I mentioned above and say well my parents never had those issues so I won’t, or I exercise and eat right (“I’m healthy as a horse”) so I’ll be one of the 66, 50 or 33% that it won’t happen to? Or, do I look into some great products like those from Mutual of Omaha that offer cash benefits to assist those who are suffering from these conditions and whose families have been physically, emotionally, and financially devastated by these very discomforting realities?

About the author: Kyle McDonald holds FIC, FICF, FSCP® & CLTC designations. His viewpoint on life insurance is simple, “Anyone with a family must have life insurance. In the end, life insurance is for others you care about, not you.” He is ready to help you and your family get the best option available. Contact Kyle today at 1-800-651-1953 or

[1] American Cancer Society. Cancer Facts & Figures; Atlanta: American Cancer Society, 2014