With thanks to Brenda and SunLife Financial (Canada). This story is about Critical Illness Insurance - which is generically referred to as Trauma Insurance. Brenda said that after she put the cover in place she had forgotten about it.
When she had a heart attack, the insurance paid out and enabled her to reduce the stress on herself so that she could concentrate on day to day life and dealing with her healthy.
http://www.youtube.com/watch?v=gc9XUgDHDjg
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By Paul Swarbrick