Proponents of voluntary products such as critical illness and accident insurance — or brokers selling certain products — often say their value is priceless.

Now MetLife is putting a price on how much it'll cost you if you don't have it.

A new white paper out from the carrier reveals that out-of-pocket costs associated with these unexpected health issues can range as high as $4,000 for accidents or more than $14,000 for a critical illness. For a household, lost income from these episodes ranges from nearly $27,000 to more than $50,000.

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