Procrastination Never hurts….

I heard some terrible news today from a friend and it’s just another reminder why insurance, and having the right insurance is so important.
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Have you ever tried to buy an auto policy after your carrier already told you your rates are going up because of an accident?
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Have you ever tried to buy homeowners or flood insurance when the hurricane is already en route to your house?
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Have you ever tried to buy health insurance after you were diagnosed with a life changing illness?
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Have you ever tried to buy life insurance after a heart attack or catastrophic diagnosis?
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Today I was told by a friend of mine that someone was three days away from the period of time it would take for their life insurance policy to pay out, three days.
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Did you know that if you try to buy life insurance when you have cancer sometimes you have to buy a policy with a “graded death benefit?”
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That means if you die within what’s usually the first two years, all you get back is your premiums or maybe all the premiums you paid back at 110%.
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However if you buy an insurance policy BEFORE something happens, maybe even a convertible term policy while you’re still health you won’t be in that situation.
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Convertible term allows you to purchase based on your health TODAY and then in five or ten years (usually when your income has increased or you’ve paid off your debts) you can convert all or a portion of that policy into Whole Life or a more permanent insurance policy.
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Want to know more about this?
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We can talk about when you have time.
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However you don’t want to wait until AFTER you’ve been diagnosed to make a decision, and have to deal with much higher premiums and much more limited options.
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Let me help you find peace of mind.
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Or answer any questions you may have.
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Click the link below to get your own coverage, today.
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https://farmerskc.wufoo.com/forms/zfmqeo81f1s9l6/

 

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