Honesty is the Best Policy

Image obtained from Success Yeti http://successyeti.com/communication/importance-honest-workplace/2015/10/05

I felt compelled over the weekend to write an article about a conversation I had with a friend of mine. We were speaking about the importance of insurance and my friend made an alarming statement. She said “I would love to get insurance but I do not trust insurance companies… there have been so many horror stories lately that I’m not sure I want to take that risk.” As someone who is working on getting my life license, I felt the need to prod her for more information, which is when she mentioned a co-worker of hers being declined at claim time for his mortgage disability protection.

I reassured her that not all insurance experiences are bad, in fact, most claims that are declined are completely avoidable in the right hands.  Most mortgage insurance issues arise due to incomplete health information.  As painful as it is, you can never be honest enough when it comes to your health history when you are applying for coverage.  The way to look at it is the insurance company can either fully scrutinize your health now or at claim time when it may be too late.

With most of our products, clients are fully underwritten upfront but there are always some that will be put in place automatically due to mortgage amount and how you answer the initial health questions.  In order to protect you, we will have you complete a more comprehensive medical and lifestyles questionnaire to help catch discrepancies that would normally have put you into underwriting.

Having that extra assurance that you’ve been formally approved by the insurance company is important.  Whether you are looking for mortgage protection or a specialty product like term life, critical illness or a guaranteed issue (no medical required) product, we’ve got you covered!  Our professional insurance coordinators and life agents will work with you to put insurance in place that you can count on!

See what clients and have to say about our service here!

To request a quote on the products we offer, click here.
Or call: 1-877-242-8820 and press 3 to speak with an insurance coordinator.