In November of 2012 my husband had a heart attack and our life took a fork in the road. Where once we were nonchalant about planning for the unplanned, we suddenly became very earnest about it. We became acutely aware of the “what ifs?” in life. What if it had been worse? What if he was unable to return to work? What if we were unable to meet our mortgage payments?
No one wants to think about these things happening to their family, which is sadly why many of us avoid properly planning for it. My husband and I were lucky that his heart attack didn’t adversely affect our lives too much, but we now understand fully the need to prepare for the unexpected.
Critical illness, while very scary to think about, is something that most of us will have to deal with in our lives. Half of us in Canada will deal with this reality in our lives. Thankfully our odds of surviving are better than ever. After my husband’s heart attack, we learned that 80% of all heart attack and stroke victims survive. Cancer patients are also living longer and better lives than ever before.
While our odds are better for surviving critical illness, we should never ignore the realities of life. There are still bills that need to be paid and everyday expenses to be addressed. Finances shouldn’t be an added stressor while we focus on our recovery and our health.
We all need #InsuranceThatFits so that we can get on with the business of living our lives while recovering from a critical illness.
TD Mortgage Critical Illness Insurance provides a benefit you receive while you are alive. It may pay a benefit if you fall victim to Cancer (life threatening), Acute Heart Attack, or Stroke. It does not matter if/when you recover. It can pay out up to $500,000 to your TD mortgage in the event of a covered critical illness, so you can concentrate on health, recovery, and family.
TD Mortgage Critical Illness Insurance is only available with TD Mortgage Life Insurance, which insures your mortgage in the event of death. By bundling these two forms of personal protection together, TD is able to provide excellent insurance coverage at premium rates.
Looking back three years ago, I now think how lucky we were. We were lucky that my husband’s heart attack wasn’t more serious and lucky because we were woefully unprepared for one of life’s curve balls. We’ll never let that happen again.
Like most people, our house is our most valuable asset. It’s also the place were we feel most comfortable, where our children are growing up and where we’ve created years and years of amazing memories. Knowing what we know now, we leave nothing to chance by ensuring that it’s not just our house that is insured in the event of critical illness, but our home.
To find out more about how TD Mortgage Critical Insurance can provide you with peace of mind visit their page here for more information.
This post was sponsored by TD Insurance as part of the #InsuranceThatFits blogger program. The opinions on this blog, as always, are my own.