Now, have either of you ever thought about what will happen when you get injured in an accident? Well, the labor advisory board and AIL have put a lot of thought into it. They realize that your medical bills will pretty much be paid for through your medical insurance and provincial health care. But what is often not considered is the lost income and other expenses that start adding up… That can end up being a lot of money, right?  

(client’s name), when you end up in the hospital, obviously (spouse’s name), you will not work either right? (WFA) When something happens to any of your children, and they end up in the hospital, in that case, nobody is working, right? 

For serious injuries, you get transferred to major hospitals and have lots of family members and friends visiting you. Now there is travel back and forth and even more out of pocket expenses. Gas, food, parking etc. it all starts to add up.  

So what they’ve done is set up a benefits program so that when you, (spouse’s name), or any of your children get hurt in an accident (give examples of realistic situations you know they could face based on things you know about their weekly activities. Ex. Sports/hobbies/high risk job) and must go to the emergency room, you will be covered.  

1. We are going to send your family $250 just for taking the time out of your day to go in and get that injury taken care of. This is for any kind of an injury…whether it’s cuts, stitches, burns, a broken arm. This benefit covers the whole family on or off the job. Whether you’re at home, at work, or even playing sports…It even covers the kids when they’re at school. 
2. If the accident is more serious (give examples of more serious accidents. Ex. Falling off roof, car wreck etc.), and you stay in the hospital overnight, we will start sending your family $500 Dollars per day, starting the very first day, and EVERY single day after that for up to 365 days per accident. 
3. Now if you are in critical condition and admitted to the ICU, we will double that benefit and you will be receiving $1000 every night you are in the ICU, for up to 14 days per accident. 

The next problem has to do with accidents and injuries. The top 3 leading causes of death in Canada are cancer related, diseases of the heart, or accidental. God forbid you died tonight, which of those 3 do you think it would be? Correct, that would probably catch your family off guard, right? They will need extra time and money to deal with that problem since it was so unexpected.  

This program helps protect your other insurances.  

1. If you died due to an accident, we will send (spouse’s name) an ADDITIONAL $50,000. That’s on top of everything else we’ve discussed... 
2. The most common type of accident has to do with motor vehicle accidents and if that’s the cause of death, we will give (spouse’s name) $100,000 whether you were the driver or the passenger.  
3. And if you passed away from any type of common carrier, such as a plane, train, or ferry, we will pay (spouse’s name) $250,000. This is if you are a passenger paying a fare. 

We wanted to make this program fool proof and a complete no brainer, so that even if you were one of the lucky ones and never got in an accident or had to go to the hospital, you still had value from this plan.

So we built in a guaranteed benefit that will be paid out whether you do or do NOT go to the hospital due to an accident in the amount of $XX,XXX. This is paid tax free to your beneficiaries whenever you pass away from any reason at all, on top of the accidental death payouts I already mentioned. Some members like to use this to help with all the funeral / final expense costs that are associated when someone passes away and others simply like to think of it as a guaranteed income that can be used for anything the family wishes.