The reason most families don't have a critical illness plan isn't cost - it's discomfort. Bringing it up feels like inviting bad news. Reframing the conversation as 'protecting the plan we already have' is what usually breaks the logjam.
A script that works
'I don't expect anything bad to happen. But if it did, I don't want you to have to think about money for the first six months. Can we spend 20 minutes seeing what a Plan B would look like?' That single sentence, from real client conversations, is the one that gets couples to book a review.
What to bring to the conversation
- Your current health insurance summary of benefits
- Approximate monthly essential expenses (mortgage, food, utilities, childcare)
- Any employer disability or life coverage documents
- An honest number for months of savings you'd want to preserve, not drain