Endorse Your Clients’ Heart Health During February’s American Heart Month

Every year, 1 in 4 deaths are caused by heart disease. It is the leading cause of death of women and of men in the United States1.

Consider these lifestyle factors:

  • Diet is a major contributor to this deadly disease: 90% of Americans consume too much sodium, increasing their risk for high blood pressure2.
  • The standard American diet emphasizes foods such as processed meats, deep-fried indulgences, soft drinks, cookies, sweets, a tradition that is likely to work against your clients’ heart health3.
  • Most kids by the age of 10 in the United States have fatty streaks in their arteries4.

This month is American Heart Month, an ideal opportunity to talk to your clients about heart health, risk factors for heart disease, and how to work with their doctors, insurance carriers, and loved ones to prevent this deadly disease.

Encourage them to consider these statistics:

  • Following a heart attack, approximately 1 in 4 women and 1 in 5 men will die within the first year2.
  • Only 1 in 3 Hispanic women are aware that heart disease is their #1 killer5.
  • Cardiovascular diseases kill nearly 50,000 African-American women annually6.
  • Of African-American women ages 20 and older, 49% have heart diseases6.
  • African Americans experience strokes at a higher rate than other races, and other groups, including Hispanics and women, are also at higher risk6.

But there is good news: heart disease can often be prevented when your clients make healthy choices and learn to manage their health. Research shows that controlling risks such as obesity, high blood pressure, high cholesterol, and smoking can reduce risk of heart attack or stroke by more than 80%1. Plant-based diets have also been shown to stop and prevent heart disease with plant-based diets7 and to quickly lower cholesterol levels8 and blood pressure9.

When it comes to their coverage needs, you may clients who are concerned about the possibility of facing cardiovascular concerns. Encourage them to consider critical illness coverage options that can help them feel confident in their financial future in such unfortunate circumstances.

Critical illness insurance will provide a lump-sum cash benefit. These benefits can be used as your clients see fit for expenses such as:

  • Living expenses such as mortgage, rent, and car payments
  • Prescriptions
  • Copays and deductibles
  • Medical bills
  • Medical equipment and home modifications for recovery
  • Treatment-related travel expenses such as parking, pet boarding, food, fuel, and hotel stays
  • Non-covered experimental treatments

With critical illness coverage, your clients can:

  • Choose benefits amounts up to $50,000 (lifetime maximum)
  • Take advantage of little to no waiting period
  • Feel confident in knowing they will have additional financial help in the event that something happens

Note that policies may be subject to various exclusions and limitations. Ensure your clients understand these prior to making a purchasing decision.

Learn more about how critical illness options may be ideal for your clients by:

 

Health Insurance Innovations, Inc. is a leading developer and administrator of affordable, web-based individual health insurance plans and ancillary products. We help consumers address their health insurance needs by offering access to a number of products offered by various insurance carriers.

 

For agent use only – not for use with the general public.

 

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