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At Legion Insurance Group, we’re just like you. We believe in the power of understanding your options so you can make the choice best suited for you and your family.
Below, LIG founder and director Steve Montgomery shares the intimate family story of how he came to the insurance industry.
June 9th, 2013 was the scariest day of my life, despite the fact that it began as one of the happiest.
My wife had just given birth to our second child, a beautiful baby girl named Harper Grace. We were overjoyed; she was everything that we had dreamed of, and more. The best part, I thought, was that she looked exactly like her mother.
But then… something happened that every parent fears but never really expects.
After we were escorted to the hospital recovery room we had the opportunity to spend a few quiet moments alone as a family. I was holding Harper in my arms, swaddled in her newborn hospital blanket and suckling on a pacifier.
Then she started to turn blue.
Suddenly, everything was moving in slow motion. I couldn’t believe what I was seeing. In a matter of seconds our feelings went from proud, elated, and joyful… to absolute terror.
I was watching my newborn daughter suffocate in my arms.
Luckily a nurse happened by just as this was playing out and immediately called down to the NICU. Harper was diagnosed with pulmonary edema. Her lungs were filled with fluid and the oxygen levels in her blood were at life threatening levels.
Harper would spend the next nine days in the NICU, hooked up to tubes and wires, undergoing invasive procedures, fighting for her life. I will never forget the fear and panic of that time – we felt completely helpless. There was nothing we could do but hold her hand and pray.
Thankfully, Harper’s a fighter, and combined with the care of the amazing doctors and nurses in that hospital, she made a full recovery. I had never understood what “thankful” meant until that day.
What I also didn’t understand at time was the severe impact this would have on our financial lives.
I had a great job, with solid medical, life, and disability insurance through my employer, so I never gave a single thought about coverage… until we received our bill.
Even though the hospital bills were covered by our medical insurance, in the end we still incurred around $20,000 in indirect, out-of-pocket costs associated with Harper’s care. It was a big hit for a young family; it meant the depletion of our savings account – one that we had painstaking grown over the past few years.
Of course, we would have spent every single penny we had if it meant a full healthy recovery for our beautiful baby girl. Her welfare was all that mattered.
But what I now know is that, if properly prepared, we never would have had to.
Because of the way medical and/or disability insurance is structured – what is does and does not cover, along with the financial reality of receiving first class medical care – there are natural “gaps” in that coverage that leave most families unprepared for a major medical event.
Today my job is to protect families from the very same ordeal that my family and I experienced firsthand: the significant financial burden often associated with the indirect costs of a major unforeseen medical event.
My hope is that by allowing us to provide you with the tools and information necessary to be fully protected, we can help your family avoid the same fate if the worst ever happens.
Founder, Legion Insurance Group