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This is my story: Frank Morang

By: Frank Morang, Senior Regional Sales Director, Empire Region

One of the greatest obstacles we have to overcome in the insurance industry is the widely-held belief that, “It’s not going to happen to me”. A broken leg? “I’m not accident prone, it won’t happen to me.” A sickness that puts you out of work? “I can tough it out, I don’t need protection”. A triple bypass surgery? “I’m in good health, it’s not going to happen”. That last one, the triple bypass surgery, that was me.

With a career in the insurance industry, I probably took the threat of a heart condition more seriously than most and was better prepared to deal with it. But, what my experience did drive home to me was just how scary these kinds of health events can be, what they can do to your finances and how saying, “It’s not going to happen to me,” is a risky attitude. Because no matter how many statistics industry professionals may throw out there to convince consumers of the threats, it’s hard to imagine it happening to yourself. But I’m living proof that you do need to be prepared, because it did happen to me.

In 2017, I started having shortness of breath during exercise. I didn’t think much of it but, thanks to a scheduled annual exam, I mentioned it to my doctor. She ordered a stress test for my heart, thinking that something may be wrong – in spite of my otherwise healthy numbers and apparent condition. As it turned out, the test revealed I had serious blockage. A cardiac catheter procedure revealed I needed immediate triple bypass surgery to treat the condition, which included an over 80% blockage to my “widowmaker” artery.

Learn more about how Trustmark Critical HealthEvents protects people like Frank.My initial thought was of my wife, four children and, of course, my long-term health. But, as I went through the procedure and treatment, I got a real-life introduction to the financial challenges that arise from a serious medical condition. Costs such as flying my oldest daughter down to our home to be with us for the surgery, or paying for meals at the hospital for me and my family (my hospital food was inedible). I had to purchase new furniture to allow me to rest and sleep comfortably while recovering. Even with insurance, there were so many unexpected out-of-pocket costs. And, of course, I was facing all of them while I was unable to work.

Going through this process reinforced two things for me. It validated my growing conviction that individuals/families need to have access to products that will help them mitigate the financial risks that arise from serious and/or unexpected medical issues, especially with today’s medical plans. It also validated why I choose to work at Trustmark. When someone gets sick, there are so many ancillary costs that they can’t anticipate. It’s not just about the treatment, it’s the out-of-pocket costs and the lifestyle changes you go through to recover. Working in insurance, I get to play a part in protecting people and their families when they’re faced with these challenges.

Here’s the other scary thing about my experience: I didn’t have a heart attack. With many critical illness policies, you don’t get a benefit if you don’t have a heart attack. I’m proud to work at Trustmark because, with our new Critical HealthEvents, we can cover the full scope of a critical illness like mine.

I’ve experienced first-hand what it’s like when the unthinkable happens. Not just the fear for one’s health or the fear for one’s family, but I’ve also experienced all the ways an illness can hit you financially. I’ve, fortunately, made a full recovery, but my experience reminded me why I work in insurance, the danger of the “it won’t happen to me” attitude and the pride I feel to work for a company that is going the extra mile to look out for its policyholders.

About the author
Frank joined Trustmark in 2012. As a Senior Regional Sales Director, he is responsible for developing and managing voluntary group and worksite distribution in the Empire region, encompassing New York and Connecticut. Frank began his career at Unum as a disability underwriter 20 years ago, and has experience in the medical and group benefits arena, as well as sales management. Prior to join Trustmark, Frank most recently worked at Liberty Mutual, CIGNA and Anthem of Maine. He earned his bachelor's degree with dual majors in business administration and communications from the University of New Hampshire, Durham.

Posted on June 19, 2018 in Critical Illness Trustmark

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