Critical Injury Insurance

In life and in business, we plan for success—but smart planning also includes preparing for the unexpected. One of the most overlooked, yet vital, components of a sound financial strategy is Critical Injury Insurance. At Stratagem Wealth Management, we believe in protecting not just your wealth, but your well-being and peace of mind.


What Is Critical Injury Insurance?

Critical Injury Insurance is a specialized coverage that provides a lump-sum payment if you suffer a serious injury, such as loss of limbs, paralysis, or major burns. While traditional health insurance may cover medical bills, critical injury insurance is designed to help you manage the broader financial impact of a life-altering event—when recovery may mean time off work, lifestyle changes, or costly adaptations at home.


Why It's Essential

Whether you’re an entrepreneur, a working professional, or a family provider, a severe injury can disrupt your income and future plans. Critical Injury Insurance steps in when you need it most, helping to:


Replace lost income during recovery


Cover out-of-pocket medical expenses


Fund home or vehicle modifications


Support your family’s financial stability


Provide peace of mind so you can focus on healing


A Strategic Layer of Protection

At Stratagem Wealth Management, we don’t believe in one-size-fits-all solutions. Our advisors work closely with you to assess your unique risks and customize a protection plan that complements your broader financial goals. Critical Injury Insurance is often bundled with life and disability insurance, forming a more comprehensive risk management strategy.


Investing in Resilience

You insure your car, your home, and your business—why not your ability to earn and live well? Life is unpredictable, but your financial resilience doesn’t have to be. Critical Injury Insurance is more than a policy; it’s an investment in your future security.


Let’s talk about how we can help you build a safety net that supports you when it matters most. Stratagem Wealth Management is here to guide you with clarity, integrity, and foresight—no matter what life throws your way.


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