Critical illnesses such as cancers, heart attacks, strokes, kidney failure, coma, paralysis, Alzheimer’s disease, and many others are devastating; physically, emotionally, and financially debilitating. That’s why critical illness coverage is one of the most important insurances to have. If you are self-employed, own a small business, or depend on bonuses or commissions as a major part of your income, critical illness insurance is a must have coverage.

Medical studies have shown that people who have less stress are able to recover quicker. At a time when you need to be focused on your recovery, worrying about unpaid medical bills and lost wages will only slow you down. Even if you have health insurance, most policies these days have high out-of-pocket limits, and it’s hard to predict some of the costs you might face when battling a critical illness.