Divinity Group

Financial Protection

 
 

How We Started

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In late November of 2015 I received word that my adopted grandfather was diagnosed with leukemia, this was my first experience with someone close to me receiving 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-insurance, 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. In 2020, after 3 years of selling, recruiting, and training I have opened Divinity Group - My own agency, so that I may multiply my efforts and get more information to more people like you, in less time.

- Jon Devine 

Bill

OUR SERVICES

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.

ACCIDENT COVERAGE
  • Leading cause of death age 44 and under

  • Number 1 cause of death in children

  • Average cost $6,700 per accident

Every Hour :

  • 19 Accidental Deaths

  • 5,390 Disabling Injuries

Image by Harlie Raethel
CANCER COVERAGE
  • 3 out of 4 families will be effected 

  • 1 in 3 people diagnosed

  • Over 1.7 million new cases annually 

  • Nearly half of cases come from the environment

Image by National Cancer Institute
HEART ATTACK/STROKE COVERAGE 
  • 1 out of 3 deaths

  • Over 1 million Americans suffer from a heart attack annually

  • Every 40 Sec = Heart Attack/Stroke

  • Leading cause of death in U.S.

Image by National Cancer Institute
INTENSIVE CARE UNIT COVERAGE
  • 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.

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What is your back up plan? 

 

100% REFUNDABLE

Every policy comes with a money back feature called:

"Return of Premiums".

Essentially, this means that for the next 25 years we will save 100% of your premiums for you, whatever you haven't used we will return back to you, tax-free

This makes our product very unique, doubling as a

savings account!