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!