The Fact is everyone will die one day

The fact is that everyone is going to die one day. The most important fact is that we do not know when this will happen. So many people have been meaning to buy life insurance but never get around to it.

It is so sad when I recently received a call from a son who wanted to know if his father every purchased insurance from me because he had just passed away. The son explained that he found my flyer among his father’s paperwork. I sadly had to let the son know that no his father did not buy life insurance. His son explained that he was not sure how he was going to pay for his father’s funeral and was hoping that he did buy the life insurance.

This is only one example of so many people who wanted to buy life insurance but just never got around to purchasing it. There was a young couple that I had spoken to briefly about life insurance and how it would be imperative for them to buy insurance since they were young and healthy. They agreed but put it off. I received a call from the wife and she explained that her husband was recently diagnosed with lung cancer. She wanted to buy insurance for her family. I had to explain to her that it was not possible. Life insurer would not offer life insurance to someone who is undergoing treatment for lung cancer.

I want you all to remember that you should purchase insurance when you do not need it because it may be too late to purchase it when you truly do need it!

Why Health Changes Can Immediately Affect Life Insurance

Everyone knows that health plays an important role in obtaining health insurance but never “get around” to actually buying an insurance policy. There are so many stories about people who knew that they needed life insurance to protect their family and “planned” on meeting with an insurance agent to get coverage only to have been diagnosed with cancer, heart disease, or other chronic diseases.

Usually it is too late to obtain insurance when a patient has been diagnosed a chronic disease. People must keep in mind that you should purchase insurance when you feel that you do not need it because you are in good health. It is most often a terrible fact that when you do need the insurance because you have been diagnosed with one of these diseases that you will be denied for insurance.

This is why I encourage people to take action. Do not “plan” but “do” because tomorrow it could be too late. There are so many sad stories about people who could have coverage one week ago because they appeared to be in perfect health cannot get coverage because their doctor had found a devastating or debilitating disease. As a result, their family not only will be left with unpaid medical bills but they will not have a replacement income.

So you know you need insurance but do not know where to begin? Contact an independent life insurance agent that will be able to compare plans and help you purchase a plan that will fit your needs today!