You may wonder if you can get life insurance if you are sick. The answer is that it depends on the severity of your illness and the life insurance company you go through. This guide will discuss your options if you are not in the best health. We will also discuss finding the best life insurance policy for your needs. Can You Get Life Insurance If You’re Sick? If you have a preexisting medical condition, you may still be able to qualify for life insurance coverage. However, it will likely come at a higher premium than if you were in perfect health. Your illness will also affect the type of policy you qualify for. For example, if you have cancer, you will not be able to get a term life...
Continue reading...
If you need life insurance, you may wonder if there is a way to get it immediately. The answer is yes – there are a few ways to get coverage quickly. In this guide, we will discuss the different ways that you can get life insurance immediately. We will also talk about the benefits of getting coverage quickly and why it is essential to have life insurance in case something happens. Can You Get Life Insurance Immediately? Yes, there are a few ways that you can get life insurance immediately. First, however, you must know the different options available if you need coverage. Below, we will discuss some of the different ways that you can get life insurance immediately: If you have an...
Continue reading...
More Like This: At Aflac, we understand that life insurance isn’t always an easy subject to discuss. It can be a difficult topic to bring up but understanding when and how you should get life insurance can have a huge impact on your loved ones. Your financial situation, family size, age, and location are all important determinants to consider when forecasting the best time to get a life insurance policy. Who Needs Life Insurance? Many walks of life can benefit from getting a life insurance policy. It’s never too late to determine when you should get life insurance and what your options are. However, there are a few instances where it can be particularly helpful for you and your loved ones....
Continue reading...
Whatever stage of life you’re at, there’s a variety of options and policy types available to suit your needs. Do keep in mind though, that it’s important to choose the right policy for your individual needs, as choosing the wrong policy (or not understanding the policy) could leave you underinsured. In essence, if your children, partner or other family members depend on your income to cover their living expenses (and the home they live in) you should definitely consider life insurance to help provide for them in the event of your death. You can’t rely on the government to take care of your family – the money they would get from the state is probably much lower than you’d expect. At...
Continue reading...
Life insurance can be surprisingly inexpensive when you’re young and healthy. But not everybody is fortunate enough to have excellent health, and getting approved for coverage can be a challenge when you have health issues. Still, there are several ways to get life insurance at a reasonable rate, even with preexisting conditions. What Are Preexisting Conditions? Preexisting conditions are health problems that you’re aware of when you apply for insurance coverage. For example, if you received care for a particular condition, it is likely a preexisting condition. When it comes to life insurance, the conditions that demand the most attention are chronic conditions that could potentially lead...
Continue reading...
Ravi Kumar thought he had his life sorted. By 2019, his younger sister was married, his parents were settled in Bengaluru, and he was well ensconced in a banking career in Mumbai, happy with his compact family of wife and two young kids. An apartment in Mumbai, a decent corpus in FDs, some investments in equity and gold were enough to tide him over the future. Till 2020 began and life showed up its uncertainties in full force. Ravi still holds a job, but the shadow of a furlough looms. He needs to bolster the savings he has been putting aside for his kids' education and marriage in view of the 'New Normal' that is emerging. He has never been worried about his own health but the pandemic has...
Continue reading...
A cost-effective way to protect against future medical requirements and beat medical inflation could be going for a super top-up health insurance policy. The ongoing Covid-19 pandemic has reinforced the absolute criticality of having health insurance protection for your family. Serious medical emergencies of any kind at a time of skyrocketing hospitalisation expenses can easily ruin our finances – something that can be avoided with adequate medical insurance cover for ourselves and our dependent family members. However, one might never be sure how much coverage could be considered “adequate”, especially in the long term. What seems “adequate” today may be insufficient after a few years, and...
Continue reading...
IRDAI has allowed the option of authenticating the proposals for life insurance through electronic means, in place of a physical signature. Buying a term insurance plan has become much easier now. While buying term plans online is already possible from the website of life insurers, one can also buy life coverage from insurance agents and intermediaries such as banks, corporate agents etc. But, if moving out and having physical interaction with agents is proving difficult in these times of pandemic, the insurance regulator IRDAI has come up with a solution. Now, one can buy a term insurance plan from his friendly neighbourhood insurance agent sitting at home. The filling up of the...
Continue reading...
Job Description Calling all life insurance agents who are self-motivated and want a career opportunity in the final expense industry At Senior Life Insurance Company, we are seeking life insurance agents to join our team! Full time openings are available for self-motivated licensed life insurance agents to sell our final expense products to the growing senior market. Senior Life Insurance Company is growing at a rapid pace. Every day people call interested in the products that we provide to them during the most difficult time of their lives. We focus on providing people with final expense services to help them with peace of mind when a loved one has passed. We provide the following...
Continue reading...
Virginians encouraged to use free life insurance policy locator tool Published Wednesday, Jul. 8, 2020, 6:28 am Since 2017, a free life insurance service has helped 2,127 Virginians recover more than $29.9 million pledged to them through life insurance policies and annuity contracts. The State Corporation Commission Bureau of Insurance encourages any Virginian in search of lost or misplaced life insurance policies or annuity contracts to take advantage of the free Life Insurance Policy Locator, which is offered by the National Association of Insurance Commissioners. “Using secure technology, the service enables consumers to obtain money that is rightfully theirs via life insurance and...
Continue reading...
