If you have been turned down for life insurance and you want to protect the ones you love, this article is for you.
Life Insurance Means Living a Great Life
How does life insurance make for a great life? It works for you to have the peace of mind that if something happened to you, that the ones you love would be taken care of. And more importantly, if something happened to you, they would not be forced to do without what they need when they are forced to do without you.
Turned Down for Life Insurance?
If you have been turned down or have a medical condition that may disqualify you for life insurance, you will be interested in this.
Being turned down for life insurance is disappointing for many reasons. I know because as someone’s insurance agent I’ve had to deliver that message, “Sorry, you don’t qualify” many times over my career.
I’ve witnessed the disappointment expressed by someone who just wanted to make sure their death would not put an additional burden on their loved ones. I have been dealing with this frustration for a long time.
I began my career to help people protect their loved ones from financial hardship with life insurance. I know the death of a loved one is an awful thing to deal with let alone to add the financial impact of having to figure out how to pay for the funeral, medical bills and other expenses.
Over my career, I’ve helped many families prepare for the unexpected loss of a family member. It may not seem like a glorious profession unless you have lived through the nightmare of losing someone you love and depend on for your support.
The reason I’m so passionate about what I do is when I was 12 years old, my father died. Only having a small life insurance policy, he left behind a widow and four children having to fend for themselves — destitute — without any means of support! That’s why I work so hard to help my customers get quality life insurance so they can protect the people they love. Up until now, it hasn’t been easy.
Looking for Coverage
Over the years, there have been many people that I just couldn’t help. I’ll tell you what was frustrating was to have someone who realized the importance of protecting their loved ones with life insurance but couldn’t qualify. In many cases, these folks waited until after they had a major health problem like cancer, heart attack, COPD, AIDS, liver failure, or they were on a transplant waiting list. Sadly, they waited until their own mortality became apparent that they saw the need for life insurance.
As a broker, I have access to most top-rated insurance companies to match people with the right policy. In the past, if someone had one of these issues, no insurance company would have even considered them.
A New Hope
This frustration continued for many years until a very large and well-known company decided to offer a policy to help people who have had difficulty getting life insurance. They are willing to offer protection to those people who need it most.
Key Features (as long as premiums are current)
- Your policy cannot be cancelled
- Your premiums cannot be increased
- Your coverage cannot be reduced
- Your policy builds cash value (use for emergencies or whatever)
- Coverage from $5,000 to $100,000
Requirements
This insurance policy does have limitations. First, it is only available for people from 18 to 80. Unfortunately, not everyone can qualify for this product.
It is not available for foreign nationals. If you are a US citizen or legal resident (have a Green Card), you may be able to qualify.
You have to have a bank account, debit card, or credit card. You also have to have an email.
Easy to Apply
No embarrassing health questions
No physical exam
No blood draws
No urine tests
The application process only takes 15 minutes and if they issue you a policy, you have 30 days to examine it without obligation.
You can apply over the phone.
It’s Affordable
Surprisingly, the premiums are very reasonable. You can pay on an annual, semi-annual, quarterly, or monthly basis through your bank, debit, or credit card.
Why People Buy Life Insurance
Most often, when someone buys life insurance, they are making sure that someone else doesn’t have to shoulder the burden of final expenses and funeral. Sometimes they are sending a financial gift to someone special, their church, or their favorite charity. They are taking responsibility instead of forcing someone else to deal with it.
You see, one of the best benefits of life insurance is that under current tax law, the proceeds are paid directly to the beneficiary tax-free. When a valid death certificate is presented to the company the money bypasses what could be lengthy probate and can be paid in a matter of days. This is important because some funeral homes will not release the body until they are paid.
Life insurance is a gift you give to the people you leave behind.
Click Here for more information about this insurance. You can also receive a free Final Wishes Guide.