Divinity Group

Financial Protection


How We Started


In late November of 2016 I received word that my adopted grandfather was diagnosed with leukemia, this was my first experience with someone close to me getting delivered that devastating news. 


But that’s not where the devastating news ended. Before the new year my Grandfather would spend over $10,000 of his life savings on deductibles, co-pays, denied claims, travel from Montana to Seattle, hotel rooms, city parking, food, and so much more. I was in absolute shock at the size of the financial avalanche that had just broken loose from under his feet.


So me being me, I began my research, shortly after is when I found Family Heritage and knew that I had to start helping people truly protect their legacies. Now after 3 years of selling, recruiting, and training I have opened The Divinity Group - My own agency, so that I may multiply my efforts and get more information to more people in less time.

- Jon Devine 


Nearly 97% of bankruptcy filings in the US. are made by individuals, NOT by businesses.

A recent Harvard University study showed that medical expenses account for approximately 66% of personal bankruptcies in the US.

  • Leading cause of death age 44 and under

  • Number 1 cause of death in children

  • Average cost $6,700 per accident

Every Hour :

  • 15 Accidental Deaths

  • 4,370 Disabling Injuries

Image by Harlie Raethel
  • 1 in 2 Men

  • 1 in 3 Women

  • Over 1.6 million new cases annually 

  • Second leading cause of death in children

Image by National Cancer Institute
  • 1 out of 3 deaths

  • Over 1 million Americans suffer from a heart attack annually

Every :

  • 34 Sec = Heart Attack

  • 40 Sec = Stroke

Image by National Cancer Institute
  • Average stay = 4 days

  • Average cost = $10,794 per day

  • More than 5 million patients are admitted annually

Image by Allie Smith

While doing research on the number of bankruptcies due to medical bills, one can’t help but wonder how do people deal with insane medical bills. Here are some of the most common actions taken by Americans with medical debt: 

  • 70% of those with medical debt say they had to cut spending on basic necessities

  • 59% say they had to dig into their savings, using most, or all of it.

  • 41% say they took a second job.

  • 37% say they had to borrow money.

Did you know?

  • Healthcare-related costs cause a bankruptcy every 30 seconds.

  • Around 530,000 families file for bankruptcy per year due to medical expenses.

  • 41% of working-age Americans have issues paying medical bills.

  • 39% of those who have issues with medical bill payments already have employer insurance.

What is your back up plan?