When we talk about wealth-building—especially financial resilience for women—the focus is often on growth: saving, investing, earning more, and creating financial freedom. And that’s powerful. 🚀
But there’s a critical piece that’s often overlooked: protecting what we’ve already built. One unexpected event—a health scare, a diagnosis, a few months off work—can undo years of progress if we’re not prepared. That’s why I want to talk today about critical illness coverage.
This isn’t about fear. It’s about building true financial resilience. And it starts by protecting your most valuable asset: your health.
What is Critical Illness Coverage?
Critical illness coverage is designed to provide a lump-sum, tax-free payment if you’re diagnosed with a serious condition like cancer, stroke, or heart disease.
This isn’t income replacement and it’s not traditional health insurance. Instead, it’s a strategic tool that allows you to:
✔️ Cover medical or private treatment costs
✔️ Replace lost income during recovery
✔️ Pay for childcare or household support
✔️ Cover your rent and/or mortgage
✔️ Simply pause and heal without financial anxiety
It’s one of the most underestimated forms of protection—but one that can make all the difference in your ability to stay financially afloat during a health crisis.
Why Financial Resilience for Women Matters More Than Ever
And here’s why this matters now more than ever, cancer rates are rising at alarming levels…especially for women.
According to recent global health data, women are being diagnosed with cancer at younger ages and in increasing numbers. These diagnoses don’t just bring emotional and physical weight—they carry real financial consequences, especially for those juggling caregiving, entrepreneurship, or sole-income households.
When you’re the one holding it all together, critical illness coverage becomes more than a policy—it becomes peace of mind.
Financial Resilience Is About More Than Just Earning
Building wealth is a journey and it’s not just about how much we accumulate.
It’s about how well we protect what we’ve already built AND how prepared we are for what might come next.
This is the kind of risk assessment I walk through with my one-on-one clients—looking not just at goals, but also the gaps that could quietly derail progress if left unaddressed.
In my IG latest video, I break this down in more detail:
✔️ What critical illness coverage is (and what it isn’t)
✔️ Why it’s a key part of wealth protection
✔️ And how it fits into a bigger financial wellness strategy
Because let’s be honest, your wealth-building journey doesn’t just depend on what you grow. It depends on how well you protect what you already have.
⛳️ P.S. In my one-on-one work: I help clients not only grow their wealth, but assess their financial risk, too. That includes understanding where protection like critical illness coverage fits into their bigger picture.
If you’re ready to get clear, confident, and intentional about your money, check out my highly rated Financial Life Edit VIP Session. It’s a personalized, holistic review of your financial life—designed to help you protect what matters and build what’s next.
XOXO,
Anna
👉🏽 Learn more about the VIP Session here: https://wearyourmoneycrown.mykajabi.com/financial-life-edit-vip-session
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Anna Orenstein-Cardona is a Financial Coach and NFEC-Certified Financial Educator (CFEI) who empowers organizations, small-business owners, and individuals to grow their money knowledge in fun and creative ways. She worked on Wall Street and in the City of London for over two-decades, before launching her financial education and coaching business, Wear Your Money Crown®.
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