	CICAgency.com
	Home Site Map

Insurance - It May Be Critical

A great many people beat cancer and go on to live full and active lives, although it has to be said that a condition as serious as this can have a significant impact on a patient's lifestyle for an extended period.
Relatively few people have the cover for critical illness that would be invaluable in those circumstances. Critical Illness Cover, or CIC, would provide a real back up if you were diagnosed with an illness from which you would hopefully recover, but are likely to need treatment for an extended period. Add to this the fact that even when you are well enough to return to work, you may not be able to continue with your current employment because of the condition.

Most people appreciate the importance of life insurance once they have a mortgage and in particular if they have a family to support. The importance of a product like this, which insures the financial stability of the family on the policyholder's death can't be over-estimated.

The wonderful advances in medical treatments for a great many of the cancers, heart disease and strokes mean that people are very much more likely to survive these illnesses. Whilst there have been many impressive treatments which are non-invasive and mean that the patient can get on with their jobs with relatively little inconvenience, there are still many that can take months or even years, to recover from. If this is the case, and you're unable to work, your life insurance won't cover any of it. CIC is what you really need.

"Unlike life assurance, critical illness cover pays out not if you die but if you contract an illness," says a spokesman of one of the main insurance brokers. "There is also a far higher incidence of claims ]with critical illness cover] because we are all living longer."

If you are unfortunate enough to be diagnosed with a critical illness, the CIC cover will pay out a specified lump sum, which will be tax-free. The money will be yours to handle as you wish. If you have to give up your job, you could use it to pay it off your mortgage. If you want to keep it as a nest-egg you could use it to allow you to take a break or work part-time whilst you're being treated. You could also use it for any special medical treatments that would help your condition or think about making adaptations to your home or car to make life easier for yourself.

There are various ranges of illnesses which CIC covers - depending on the insurers. It's really important that you compare like for like and don't just jump for the cheapest on the basis that they're all the same. Consider the onset of Alzheimer's, for instance. Two of the main companies vary on this, with one offering cover until you're 60 and the other covering you until you're 65. Some companies offer additional cover for certain illness or events. If there's a higher risk factor in your case due to family history, then it's possible that you may have to pay a higher premium.

The younger you are, the easier it will be on your pocket. If you're around 25 and a non-smoker your monthly premium would be half of what you'd be charged if you waited another 15 years. Many people in the 25 year old bracket are still single. There is a strong case for arranging CIC if you don't have the support of a partner. If you have liabilities and were to become critically ill, would you have enough money to see you through a period when you were unable to work?

Its well worth getting some advice and comparison quotes when it comes to CIC - it's simple enough to do. Just get on-line and find the facts.Why not have both, because Critical Illness Insurance is important but not more so than Life Insurance. Life Insurance covers your family should sudden death happen. Visit Life Insurance Quotes to get a great deal on Life Insurance Life Insurance Quotes Life



Walden University Offers New Bachelor of Science in Computer Information Systems Degree Program Walden University is expanding their degree program offerings to the fast growing field of information technology. The new BS degree will be offered alongside the current programs in business administration, psychology, and child development. CFN Services Wireless Jumpstart® Program Adds Communications Infrastructure Corporation® CFN Services Wireless Jumpstart® adds Communications Infrastructure Corporation® to its growing list of ecosystem providers that focus on wireless infrastructure ranging from site and network planning, acquisition, implementation, backhaul, and ongoing cost and performance optimization. Wireless Jumpstart® helps mobile operators construct an integrated solution utilizing the best of breed partners to ensure they have the optimal solution for today and poised for their future growth. NBC's Crowell’s Intensity Basketball Camp Changes Name to College Prep Basketball Camp for Top Players from around the U.S. and Europe NBC Camps, operators of the NBC Basketball Camps () and proud partner of the US Sports Camps Network, announced the name change of Crowell’s Intensity Camp to College Prep Camp (http://www.nbccamps.com/cic/) for the to more accurately reflect the type of training offered to pre-college athletes. ELI(r) Unveils New Certified Instructor Community ELI has formalized its network of certified instructors by introducing the ELI Certified Instructor Community™ (CIC), a best-practice-sharing and networking community focused on building civil, legal, and ethical workplaces. All instructors who have successfully completed ELI’s Certified Instructor Program are automatically members of the CIC. How Ill Do You Have to Be to Make a CIC Claim? Critical Illness Cover (CIC) pays you the lump sum insured, which is tax-free, if you are diagnosed with a life-threatening illness which renders you incapable of working People are living longer with conditions which might have been a death sentence a decade ago, thanks to advances in medicine and treatment Internet based online computer education Online computer training courses and software tutorials help you to advance your skills quickly and easily. Computer elearning avoids the hassles of traveling to and from campus locations, as well as set schedules that run interference in hectic lifestyles. With hundreds of online computer education courses available at your fingertips, online courses vary from basic to advanced level and are all accessible from your home computer. Increasing ROI by Assessing Exposure to Risk: Ken Rayment of Better Process Podcasts Interviews R. Scott Wolff, CIC, CRIS of Premier Risk Management, Premier Risk Management LLC, an Insurance and Risk Management Advisory firm, announced that partner R. Scott Wolff, CIC, CRIS recently interviewed with Ken Rayment of Better Process Podcast to discuss how manufacturing firms can potentially increase their return on investment by assessing their exposure to risk. Free Computer Certification Practice Exam And Test Questions The Internet has an abundance of online resources of free and pay practice exam questions about information technology computer certification There are many companies with high visibility websites that offer free practice exam and test questions to show that they are concerned about giving you some certification training CIC Chairman Emeritus Louis G. Nappi Creates New College Scholarship Program; Inaugural Award Picks Six for Fall 2009 Grants After more than a year of planning and development, the scholarship committee of a construction management and labor coalition announced this month that it has made its inaugural award to six students who will each receive $3,000 scholarships for undergraduate studies in the sciences, including math and engineering. A Happy Holiday for Non-Profit That Helps Kid Inventors Donations earned through IdeaTango.com will help group expand educational campaign nationally Technology Start Ups Choose Chesapeake Innovation Center For Acceleration Speech Conversion Technologies, Inc. and iNovex Information Systems, Inc. view the Chesapeake Innovation Center (CIC) as a channel into the homeland security and defense sectors. The CIC () is a business accelerator for homeland and national security technology, bridging emerging technology with government buyers. CIC Energy Construction Announces Launch of Clean Power Trade Group and Illinois SREC Aggregation Program Chicago-based CIC Energy Construction & Supply announced the launch of its Clean Power Trade Group and solicitation for Solar Renewable Energy Certificates (SRECs) from utility interconnected solar systems located in ComEd’s northern Illinois service territory. Renewable energy certificates, or RECs, represent the legal right to claim the renewable attributes of one megawatt-hour of power generation and are separate from the electricity itself. The certificates are created and tracked through Generation Attribute Tracking System, or GATS, operated by PJM Environmental Information Services. The SRECs aggregated by CIC Energy will be traded and sold to buyers in compliance markets using PJM’s newly launched EnviroTrade Sage ... Notebook Computers Main Focus at MiniPC Warehouse Grand Opening By focusing on the growing demand for lightweight portable Laptop Computers with screen sizes 15” or smaller, MiniPC Warehouse is filling the need with affordable feature packed Notebook Computers and their smaller companions the Netbook. Canada Immigration Canada is considered as one of the most preferred destination for people who are looking to immigrate to another country. Canada has the highest per capita immigration in the world. MCSE? CCNA? How To Choose The Best Computer Certification For You When you're choosing which computer certification to pursue next, you should also be formulating a plan for your career. Your time is precious, and you should never choose to pursue a certification because it's "hot".

Home Site Map