Buying Adequate Life Insurance - Do it Now

Buying life insurance does not make you a fatalist.  It makes you responsible.  Therefore, you should never put off buying adequate life insurance – not just because the next corner you turn might be your last, but because waiting only makes it more expensive, and because your next doctor visit can actually cause insurance to become instantly and even permanently unobtainable.  Certain medical conditions, even if not fatal, can cause insurance carriers to increase their rates or decline coverage, leaving families inadequately protected at the most critical time in their lives.  Additionally, being misdiagnosed with a medical condition is more common than anyone wants to believe.  Whether or not the misdiagnosis is corrected later, everything entered into your medical record can be accessed by an insurance underwriting pool once you submit your application. 

To help you buy the right coverage at the best prices, Guidance Wealth works through independent national insurance brokerage firms.  These organizations can conduct initial underwriting in-house before sending your applications to a select number of insurance carriers.  With this careful pre-selection process, your chances of being unnecessarily “rated” or “declined” are minimized.  Once you have adequate coverage you can reapply for a lower rate in a year or two if you are in good or better health, but in the meantime you can keep the coverage you have while you continue to look.  Remember that good health is the most critical determining factor in your ability to buy insurance.  So secure it now while you can. 


You care, which is why you prepare.      

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