Critical Insurance

“Not because you are going to die, but because you are going to survive.”

-Dr. Marius Barnard (founder of Critical Insurance)

Ralph and Dr. Barnard at the 2nd annual world critical illness insurance conference

Dr. Marius Barnard performed the first successful human-to-human heart transplant with his brother Christiaan. As a doctor, Marius Barnard could repair a man physically, but could not undo the damage done to his finances, so in 1983 he invented Critical Illness Insurance.

Critical Insurance pays you a lump sum of tax-free cash in the event of diagnosis of a covered illness such  as cancer, heart attack, stroke, renal failure, or Multiple Sclerosis. This product is designed to protect your retirement portfolio from the adverse financial affects of a life altering critical diagnosis.  Instead of postponing retirement, we can either maintain your age at retirement goal or possibly even accelerate your retirement goals.  For the cost of a couple of your billing hours per month, we can help protect your retirement portfolio with Critical Insurance.