Critical illness
Pays a lump sum if you are diagnosed with a covered condition, such as a heart attack, stroke or cancer, depending on the policy. You decide how to use it: medical bills, the mortgage, or simply time off to heal.
Prepared for the unexpected
Ready before you need to be.
An illness, a surgery or an accident can stop your income long before it stops your bills. Jodi walks through the math with you first. Mostly it works out in your favor, and if it does not, you will know exactly what would help.
Do the math
Would your savings carry you through a recovery?
Move the sliders to match your life. It takes about a minute, and nothing is sent unless you ask Jodi to call.
Household costs plus what you draw from the business.
A spouse, rentals, or anything that pays if you cannot work.
Cash you would actually be willing to spend.
Deductibles, copays and what insurance will not pay.
A surgery, a diagnosis, or an accident.
Your recovery, month by month
Covered by savingsNot covered
- Monthly shortfall
- $6,000
- Total you would need
- $45,000
The gap
$15,000
Your savings would carry you about 3.5 of 6 months. That gap is the number worth a conversation.
An illustration with your own numbers, not a quote or a recommendation. Your numbers are only sent if you press the button.
Together, we walk through the math of their finances. Mostly the math works out in your favor, but if it doesn’t, then at least you know for sure that you’re financially prepared.
Jodi MorrisWays to close a gap
Coverage that pays you, not just the hospital.
Hospital indemnity
Pays a set amount when you are admitted to the hospital, and sometimes for each day you stay. It helps with the deductibles and the costs your health plan leaves behind.
Accident coverage
Pays set benefits for covered injuries like fractures, emergency visits and follow-up care. Popular with active families and anyone whose work is physical.
Disability income
Replaces part of your paycheck if illness or injury keeps you from working. For business owners it can be the difference between recovering and rushing back too soon.
Benefits, covered conditions and limits vary by policy and carrier.
Questions
Fair questions, plain answers.
I already have health insurance. Why would I need more?
Health insurance pays doctors and hospitals. It does not pay your mortgage, your groceries or your business expenses while you recover, and it still leaves deductibles and out-of-pocket costs. The coverage on this page is designed to fill those gaps with cash paid to you.
How do I know whether I need any of this?
Start with the calculator above. If your savings cover a long recovery, you may not need much. If there is a gap, Jodi can show you what it would cost to close it, and you can decide from there.
Can I get this through my business?
Often, yes. Some owners set up coverage for themselves and their employees through the business. Jodi can walk you through individual and business options side by side.
What does it cost?
It depends on your age, health, the coverage amount and the carrier. Jodi will show you real numbers for your situation before you commit to anything.
Start here
Walk through your real numbers with Jodi.
Let’s see if we’re a good match.
Twenty minutes, your questions, no pressure. If the math already works for you, Jodi will tell you so.