Life insurance for everyone

Most people think if they've been diagnosed with a critical illness such as cancer or HIV/AIDS that they could no longer purchase life insurance. That is not the case! There is coverage (limited amounts) available for those situation. We can take a look at the situation and see which policy is available for them and provide rates that they can lock in and pay for continuous coverage for life. Some clients like the option to pay this off in a shorter time period which is possible too. They can pay for 10 or 20 years and at the end of that they still have the coverage but no longer make payments. This is a nice option so they don't have to worry about continued payments later in life when they may have exceeding health care costs and reduced income from retirement or other reasons. 

So if you hear of someone that is complaining about the lack of life insurance available for someone that has recently suffered a stroke, heart attack, been diagnosed with HIV or Aids, cancer in any form, or one of the many other dreadful diseases that seem to shorten their options for coverage, let us know and we'll go to work for you and present the options available. 

For one of the policies we have, the only health question is  - Are you confined to a hospital or considered terminally ill (life expectancy less than a year)? If that is a NO then you can purchase the policy - no other health questions or exams required! This policy can be purchased in the amounts of $2000 - $25,000.

The other option for if your situation is a little better and maybe the health set back was a few years ago and well managed now, there are only 3 questions on this application and again  - No Exam!! It is available for $2000- $50,000 of coverage. 

In contrast, if you are a healthy individual and haven't reviewed your life insurance needs in awhile, we have many options for you as well. We can talk about what your needs are and find something to fit your budget!