The Problem:
60% of the bankruptcies in the U.S. are directly tied to the uncovered medical expenses that follow a critical illness such as heart attack, stroke, and cancer. 80% of those bankrupted patients were covered with health insurance. As the rates of critical illnesses and the costs for treatment continue to rise, more financial protection is needed for today’s American families to safeguard against financial disaster.
The Solution:
The Benefit Queen's policies with Living Benefits allow the policyholder to accelerate much-needed money from their life insurance policy’s death benefit in the case of a critical, chronic, or terminal Illness. This feature allows them to bridge the gap that health insurance does not cover, and protects them from the epidemic of medical bankruptcy that has become so commonplace in America today.
Our Mission:
To eradicate the epidemic of medical bankruptcy by empowering our clients through education. Many clients have a false sense of security regarding what their health insurance will cover in the case of an illness; others don’t know that Living Benefits exist to help them bridge that gap! At The Benefit Queen, we aim to inform and educate America about these unforeseen risks and how they can be mitigated, one client at a time.
DID YOU KNOW?
- 75%
3 out of 4
- 62%
62%
- 32%
32%
- 37%
37%
...people ages 40+ will suffer a Critical Illness at some point in the future.
...of bankruptcies are due to a Critical Illness.
...of American adults are uninsured.
...of homeowners do not own a retirement account of any kind.
Education leads to empowerment. Empowerment leads to action.
At The Benefit Queen, we live by these words every day, which is why our primary focus is always on client education.
We can all remember taking economics in school, but what did that really teach us about personal finance? We learned all about GDP and inflation and supply vs. demand, but did that teach us anything about how to balance our personal budgets, calculate our savings for retirement, or put together a comprehensive financial plan for our family?
There is a severe lack of education in this country when it comes to personal finance. We’ve seen that in the past when credit card debt was at an all-time high, while savings were at all-time lows. We see it today, as an estimated 50% of American workers have less than $2,000 saved for retirement. We see these shortcomings as an opportunity to help bridge that gap in understanding and comprehension and lead our clients to financial independence.
I understand that “selling” financial concepts to clients is not the best way to influence their decisions. People make decisions when they feel empowered to do so, & the best way to empower anyone has always been by educating them.
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