Disadvantages Of:
Term Life
Whole Life
Universal Life
Guaranteed Issue
Burial Insurance
Second To Die Life
Credit Life?
Children's Life
Accidental Death
Critical Illness

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"Time is a great teacher, but unfortunately it kills all its pupils."

~Hector Berlioz, Life and Death

Disadvantages of Critical Illness Insurance:

  • You 'might' never need it
  • Most illnesses are excluded
  • It’s based on what makes you sick instead of if you’re sick
  • A poor replacement for health or disability insurance
  • Excludes pre existing conditions unless under a group plan
  • Hard to compare policies
  • Definitions of disability may vary between carriers
  • Payment depends upon diagnosis of a doctor
  • Not available to the elderly
  • Won't cover high risk occupations


All rights reserved. Copyright © Craig Casey 2000.

Soothsayer: "Beware the ides of March."
Caesar: "What man is that?"
Brutus: "A soothsayer bids you beware the ides of March."

~Shakespeare, Julius Caeser


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Craig Casey
Independent Insurance Agent
California License #0B81661
PO Box 444
Jacumba, California 91934
1-619-766-3213

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