The article below appeared in the September, 2005

issue of "First and Goal", an Official NFLCA Publication.

CRITICAL ILLNESS INSURANCE

We believe that your greatest asset is your health
and your ability to earn an income for the rest of your
life. Think about it! We all depend on our personal
income to pay our monthly bills, to save money for
our children's college education and to save for our
retirement.

What if you get sick or butt and cannot work? A
recent Harvard study found that 50% of all bank-
ruptcies are caused by critical illness. Today, we are
the beneficiaries of unprecedented advances in med-
ical technologies, treatments and innovations. Today,
we are likely to survive a heart attack, stroke or cancer.

What used to kill us no longer kills us. We stay alive now.

But our lives will be different; we cannot be who we were.

We need time to focus on our recovery.

No one suffers cancer at a good time. No one suf-
fers a heart attack at a good time. It is always the
worst time. There is no premonition; Lance
Armstrong said. "You wake up one morning with an
odd pain."

CIIA, an independent, nationally-recognized bro-
kerage firm is making a new benefit available to
Coaches and their spouses that pays up to
$2,000,000 tax-free cash upon the diagnosis of can-
cer, heart attack, stroke and other illnesses or
procedures. This money can be used for freedom from
worry about your mortgage, your monthly bills, and
freedom to choose the very best health care
providers. It also allows your spouse to be by your
side, and pays for travel, rehabilitation, co-pays and
deductibles. Contact Tom Lawton at 845.559.9354
or at tlawton@choiceonemail.com with any
questions.