Unfortunately, waiting to obtain critical illness insurance coverage until after you've been diagnosed with a critical illness means that you won't be eligible to cover that illness or health event.
Critical illness insurance is available to people who aren't diagnosed with a serious illness at the time of coverage. Buying the policy while you're healthy has definite benefits: once you pass any underwriting procedures, you would select the policy, and pay policy premiums to the insurance company. In return, if you are later diagnosed with a critical illness that is covered under your specific policy, the insurance company will pay you a lump sum cash benefit.
Learning you have cancer, heart disease, or another type of critical illness can be devastating and may leave you wondering how to protect your family from potential financial hardship if your illness was to result in death. Having a critical illness does not necessarily mean you will not be able to obtain life insurance, although you will likely not be able to obtain as much coverage as you desire and may pay high premiums for a policy. None of us own a crystal ball to predict what the future holds; therefore, it's best to buy life insurance when you are relatively young and healthy. You may be able to obtain insurance at more favorable rates and have the peace of mind that comes from knowing you are protected, no matter what life brings.
If you have any questions about these Terms, You can contact us:
By mail: 204 Whitson Avenue, Swannanoa, NC 28778
Please fill out the short form so we can provide you with the policy options
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driving force behind everything we do.
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• Mortgage Protection
• Final Expense
• Term Life Insurance
• Universal Life Insurance
• Disability Insurance
• Critical Illness Insurance
• Retirement Protection
No agent’s success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.