Family Heritage Northwest
Mark Creamer Agency
Exclusive representative
for Globe Life, Family Heritage Division
YOU ALWAYS GIVE US YOUR BEST,
YOU DESERVE THE BEST.
Protecting First Responders
from the Financial Devastation of
Cancer, Heart Attack/Stroke,
Accidents and Serious Illness!
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This is a private page just for FIRST RESPONDERS. If you leave this page to explore other areas of the site, return to this page by going to www.MarkCreamerAgency.com/First-Responders
How do these plans help my family?
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All Plans Provide
* Money paid directly to you!
*In addition to any other coverages in place!
*Multiple levels of coverage to fit any budget!
*Premiums that do not go up with age or claim!
*Guaranteed Renewable for Life - only you can cancel
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And Of Course
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The Family Heritage "Return of Premium"
benefit on all policies! Our program makes sense
even if you never file a claim!
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YOU GET ALL YOUR MONEY BACK!
See Agent for Details!
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Statistics
Cancer Statistics
* Firefighters have a 68% chance of getting some form of cancer.
* 42% of patients to exhaust life savings within 2 years.
* Cancer creates huge amounts of debt.
* the average patient sees a loss of nearly $92,000
* Financial distress can cause patients to skip or stop treatment.
* Cancer effects not only the patient but the whole family. It is often the family that is left with paying the bills while the family income usually goes down.
Cardiac risks to Firefighters
* Cardiac-related events accounted for 44 percent of the on-duty fatalities over the past 10 years.
* Cardio-Vascular Strain
* Stress
* Exposure to tars and other industrial fumes, with acute and chronic (cumulative) effects.
* Body Temperature increases and dehydration
Presumptive Cancer Law Limitations
Many states have presumptive laws for fire fighters and other first responders. Although these are good steps to be taken for the security of those who protect us, there are several limitations to be aware of. Each state is different and may or may not have these laws. Be sure to be aware of your state's laws and how they may effect you. The following is a general overview of some of the limitations that are common.
* Only covers a limited number of cancer types. (usually 8 to 12 types)
* Most often only covers those who have been full time for at least 5 years . Volunteers and new firefighters are generally not covered.
*Upon retirement, coverage will not be available after usually 7 years.
*Prostate Cancer, generally 1 of the covered type is removed from coverage at the age of 55.
*Claims are denied at a very high rate and often never settled.
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The above information is "opinion" not intended as 100% fact! Please do your own research on the law in your state and the details therein.
Reviewed and Endorsed by IAFF Local 43 Portland Firefighter Association.
