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I would wager that you know at least one person who has struggled against the big C – it’s the one disease which touches almost all of us one way or another but the statistics just got scarier.
Previous reports have put our risk of contracting the disease at one in three but the latest estimates released by Cancer Research UK indicate that half of those born since 1960 will succumb to cancer, and that number could rise to an astonishing two out of three of those born today.
If you are a man born after 1960 it is bad news for you – your chances of contracting cancer are rated at 53.5%, which represents a significant increase on the previous generation of men where the risk was 38.5%. The risk for women has also increased from 36.7% to 47.5%.
Although one third of this increase is attributed to lifestyle factors such as obesity, smoking and alcohol (and sadly our habits show no signs of improving), there is some good news to be gleaned from this rather alarming statistic. The rise in risk is in part due to the fact that we are all living longer. In fact, if we were to live long enough, pretty much all of us would contract cancer.
In addition, cancer survival rates have made great strides, doubling over the last four decades. Early detection and better treatments mean that if you are unlucky enough to get the disease you have a 50% chance of surviving for at least ten years. That is, of course, great news but does raise the question of how you would cope financially if you were diagnosed with cancer.
Many cancers require treatment which is both long and arduous. For a lot of sufferers it is simply impossible to carry on working when their bodies are being subjected to a never-ending stream of consultations, hospital appointments and intensive chemotherapy and radiotherapy treatments. Rest and recuperation are also essential to aid the body’s healing and assist in making a quicker and more sustained recovery.
What would happen to you and your family if you had to stop working? Would you be able to cover all the bills and expenses which would keep coming, oblivious to your physical and financial plight? Even if you have significant savings, these would quickly be diminished.
It’s a frightening thought but fortunately protection is available in the form of critical illness cover. With this kind of insurance policy in place a cancer diagnosis would result in you receiving a tax-free lump sum to provide a financial cushion for you and your family. It would enable you to cover all your regular monthly payments without having to compromise your standard of living while protecting your savings and giving you some breathing space to take the time you need to fully recover from your illness.
Cancer touches so many of us and many of our clients have been relieved to have critical illness cover in place when they were diagnosed with this awful disease. If you want peace of mind and don’t already have a critical illness policy, please do get in touch to see how we can put cover in place to protect you and your loved ones.
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