We age slowly every day and do not know when an illness or health issue may arise in our life. Even things like high blood pressure or high cholesterol can cause you to pay higher insurance premiums, let alone major issues such as cancer or heart disease.
Today you may qualify for a great rate. Six months from now you might have a health issue and pay a substantially higher premium or maybe even be declined.
The best advice is to simply apply sooner than later!
There is a term called “Protecting Your Insurability”
It means that once you are approved for a life policy (or disability and long term care); the insurance company cannot come back later and raise the rate simply because you have a “new” health issue.
You lock in your current health. It’s a great idea.
Let’s say you applied for an insurance policy today and you were approved for a Preferred rate. Then, six months later you have a health issue arise. The insurance company cannot come back later and raise your rate due to the “future” illness because your Preferred rating protects you.
Or call now for a Quote
(480) 659-0229
We serve ALL of Arizona, including Phoenix, Tucson, Mesa, Glendale, Chandler, Scottsdale, Gilbert, Tempe, Peoria, Yuma, Surprise, Avondale, Flagstaff, Lake Havasu City, Goodyear, Sierra Vista, Prescott, Prescott Valley, Oro Valley, Bullhead City, Apache Junction, Casa Grande, Fountain Hills, Queen Creek, Maricopa, Payson, El Mirage, Marana, Kingman, Buckeye, Paradise Valley, Florence, and Sedona.
We are an Arizona Independent Life Insurance Broker, Agent and Company serving Mesa, Glendale, Chandler, Phoenix, Gilbert, Tucson, Scottsdale, and ALL of Arizona. We can help you find low cost life insurance, long term care insurance, disability insurance and health insurance.