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MDRT - Putting the Critical in Critical Illness

An intersting look at why a need exsists to make sure that children are consider when designing a Financial Plan for Parents
by

james crouch

on 5 December 2017

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Transcript of MDRT - Putting the Critical in Critical Illness

$42.45
The BAD News
Cancer is on the RISE :(
Approximately 10 Children a day are
diagnosed with Cancer during EVERY
school day....
STLL Cancer is the number 1 cause of death among Canadian Children
Child Cancer! Is It Really Happening?
The Perfect Combination
Love & Marriage
The Family Pet & Insurance?
How Much does cost to Insure the family Pet?
a.. $1,500pa
b..$ 2780pa
c..3250pa
d $4300pa
Childhood Cancer On The Rise
..The Incidence of Childhood Cancer
has increased...
...every year for the last 5 Years!
Source Childhood Cancer Foundation -Canada
Source : Childhood Cancer Foundation-Canada
What % of Income is typically LOST by families that have a Critically Ill Child?
10%
20%
30%
40%
50%
is it?....
Remember!....a period of convalescence can last for several years!
Over the past 15 years, Canada has seen a significant increase in:
Obesity and Overweight
High blood pressure
Diabetes
Young Canadian Adults At Risk!
Young People are beginning their adult lives with Multiple risk factors for heart disease
Source Heart & Stroke Foundation
Heart Attack
High Blood Pressure
Diabetes
It used to be thought that the above were diseases of the aging,
this is now no longer the case!

The Trouble with Fast Food ...
In 1972, we spent 3 billion a year on fast food - today we
spend more than 110 billion
The average child sees 10,000 TV advertisements
per year
Left unabated, obesity will surpass smoking as the leading
cause of preventable death
Juvenile Illnesses
Nearly one in every 40 children born will develop one of the 30 Illnesses
that is covered by critical illness Insurance before the age of 20!
50%
of all CI Claims are for children aged 0-15
The Difference of the Decades
Was there such a think as a fat cave man?
Are we really the intelligent species?
1. The Car
2. The House
3. The Boat
4. The Jewelery
5. The Cat or the Dog
6. Hockey
7. Gymnastics
8. Basketball
9. The Child
I love this! #true #Fact #Real
The GOOD News
We can beat Cancer :)
America: Children and Type 2 Diabetes...
In the last 15 Years the amount of American Children with Type 2 Diabetes has doubled
1 in 3 American children that were born in the Year
2000
will likely be diagnosed with
diabetes in their lifetime......


Same story is anticipated for Canada
Children & Type 2 diabetes..
Lets take a look at life .
$30,000
$25,000
$350.00
Mortgage
$ 700.00
Retirement
Average Student Loan
Parents Need Help To Understand Priorities
As Financial Planners, it's our job to remove risk from the Parents Plan...
Lifestyle Changes

The Numbers
High Blood Pressure
Diabetes
Heart Disease
Cancer
The financial reward's
A Possible Solution
Two Questions For Your Clients.
Just Ask
Which One of these is More Important?
Have We done all We can?
He who asks a question is a fool for five minutes;
He who does not ask a question remains a fool forever.”?


Just Saying...!
$500,000 Inc $700,00
2 $198.45
4 $204.75
8 $247.50
12 $278.10


Child Life & Health Combo Plan
Age Range (15days)
O - 20
Length Of Contract
To Age 30
Minimum & Maximum Amount Of Cover
$20,000 - $500,000
Number Of Illnesses
25 Standard + 7 Juvenile
How much CI Is Attached?
Child Life and Health Duo
At A Glance Guide ...
Of the face amount..
+ Prevention Benefits
10% of half the current face amount
Average Car Payment
Average Mortgage Payment
?
L15 $818.10
L20$641.07
L65$452.07
$147,258.00
$153,856.80
$189,869.40

Monthly & Annual Cost ($700,00) Male 30 Non smoker
The Question?
If you had $818.00 pm of disposable income how could you impact your clients financial planning
A more motivating conversation
350/91
Despite a low payout, 89% of future retirees plan to rely on the Canada Pension Plan (CPP) to take care of their expenses during their golden years.
And 31% say they’ll heavily depend on the CPP.
The average amount a recipient gets is just $594.19 a month.
Children should be see and Heard!
"It is not what you say,
but how you say it"
Its a beautiful day but I can not see it
What did it mean to him?

Summary
20's
80% of the foods in America have added Sugar

Its as addictive as Heroin

80% of the issue could be resolved by changing the lunch programs in our schools

Children will have shorter lives than their parents

95% of all americans will be overweight or obese within two decades

Obesity is government sponsored




Knowledge Is Power.
Knowledge is only potential power, it is totally useless until it is placed in the hands of someone that can take action
Call to Action
1:Get active in your own way
2:Know Your Client and make lists

3:Build your story and practice your delivery
4:Watch "Fed Up" Use it to your advantage
5:Change your words:Change your world
Focus On Five
What would the world look like
If Animals
started eating fastfood

James Crouch

Putting the
"Critical"
in Critical illness
SUGAR

You Like It

You Crave It

You Become Addicted

Blood Levels Spike

Dopamine is released into
the brain

Mass Insulin secreted to drop
blood sugar levels


Blood Sugar Levels Fall
Rapidly

High Insulin Levels Cause
Immediate Fat Storage

The body craves the lost
Sugar high


Hunger & Cravings

Low blood sugar levels cause increased appetite & Cravings

The Cycle is repeated
The Perfect Storm
What I hope to achieve


Help you understand and provide you with facts that confirm why Juvenile Critical Illness and Life Insurance is more prevalent than ever before
Highlight how the pressures of modern day parenting are restricting and changing the behaviors of today's family households
Share with you information,skills and knowledge that will help you to improve your personal marketing activity and sales process when offering advice to Juvenile's
Modern Day Parenting
The Food Industry
Technology
The numbers that do not lie
The definition of crazy
Call to action & review of key points
Focus on five
The amount of dual earning Families in Canada 40 years ago was $1m
What is it today?
a) $1.3m
b) $1.5m
c) $1.7m
d) $1.9m
In 1976 the number of families where one parent earned a pay check was 59%
What is it today?
a) 40%
b) 35%
c) 27%
d) 20%
The amount of women in the workplace since 1976 & 2015 has increased from47%
What is it today?
a) 52%
b) 60%
c) 69%
d) 72%
Prepare tonight's super
Take Oliver to his soccer game
The dog needs to go for a walk
Pay the house insurance
Don't forget you need milk
May's math homework! is late
The cost of child activities
Many households have more than one child!
What is the average price of participating in the following sports for a child?
a) hockey
b) lacrosse
c) baseball
d) football
e) soccer
d) basketball
source:
Utah State Survey August 2017
Write down in the order of most expensive to least expensive
$15.3b Industry
b:a:c:d:f
a) $7013
b) $7956
c) $4044
d) $2739
e) $1472
d) $1143
Dance and it surprising cost
Source: Data/Dance US Dance Schools
Write down what you think the average cost of pet insurance is for a dog per month in 2017
Parents do this without thinking !
Write down what you think the average cost of pet insurance is for a dog per month in 2017
Parents do this without thinking !
How do we make them think?
Source Data Valuepenguin
The mobile phone!
What percentage of americans between the age of 15 - 19
pay their own phone bill ?
25%
Eating Out ?
If americans spent $52billion last year on groceries
How much do you think they spent in bars clubs and restaurants?
For the first time ever they spent more!
$54billion!
source www.foxbusiness.com
Being a modern day parent shapes the way you live
your live and your priorities
Average cost of car insurance in the US?
Source: Valuepeguin
$907.38/$75.61pm
The family home
Precious stone's
Things we protect without thinking
The dishwasher!
"I am not telling you as a
parent that is going to be


but what I am telling you is
I know it will be worth it"
Source:James Crouch
When children at any age are fed a diet mainly of virtual world interactions they are found to:
1
Be at risk of developing learning difficulties
3
Exhibit problem behavior at home and at school
2
Have a much harder time dealing with emotions and feelings
Overuse plays a big role in the quality of children's health and well being
Impact on thinking and learning
A decreased attention span

Underdeveloped or delayed language abilities

Decreased intrinsic motivation of learning
Impact on feelings and behavior
Hyperactivity : Aggression : Fear

Insensitivity

Appetite for violence
Research showed!
These institutions researched and examined how media influences
obesity,tobacco and drug abuse, alcohol use, low academic achievement and ADHD
When a child spends more than time with screens and media, the more likely they are to be impacted with negative health outcomes
Today's child on average spends 45 hours a week TV , movies, the internet, and video games
6.42 hours a day!
There are more than 250,00 young
Canadians in their 20s and 30s with high blood pressure

Its almost doubled in 15 Years!..
30's
Parents do not want to consider
Death
Critical Illness
Financial hardship
Parents do want to provide
A good education
Parents & Grandparents want to a good quality of life for you and your children
Do not lie
Moving to a positive
conversation
The True Cost of delay
Lets take a look
A typical canadian product
$147,240
Focus Session MDRT :LA:2018
A lot more than the recommended 2 hours a day, max
These will translate into and
explosion of heart disease in the next generation

This may be the reason why kids are in danger of becoming Obese
Its time to get real about food
And the effect the food Industry is having on the Insurance Industry
Lets Start with a "time out"
Or just positioning the concept
It is considered normal
Full transcript