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High Risk Life Insurance

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High Risk Life Insurance

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High Risk life insurance

Shopping for term life insurance shouldn’t be difficult.
We want you to shop for your insurance comfortably.

High Risk insurance

We feel confident you’ll enjoy the experience and ultimately, give us an opportunity to earn your term insurance business.

People insure their cars, homes, vacations, art, even their pets.
Yet, many people don’t insure themselves, even with a simple, cheap term life insurance policy — often to the detriment of their family or loved ones.
It doesn’t have to be expensive or complicated.
Term insurance rates are generally the same for all brokers.
There are no ‘special’ deals and what one broker can get, generally speaking, ANY broker can get.

High Risk life insurance

High Risk Life Insurance

Don’t be fooled by a company promising special products or special prices.

They do not exist.

So run some quotes, browse around, and please ask us any questions you might have.

When you’re ready, you can request more information and start the process…

High Risk life insurance

Only when you are ready.

High Risk Life Insurance


High Risk life insurance

The Logic Of Disability Insurance

It is difficult to imagine yourself as having an illness or having suffered an injury to the point to where you are unable to work and earn an income. We are all conditioned to believe that everything will always continue just as it did before with no change. This mentality can lead to the financial downfall of many people, because then they are not prepared for emergencies, or situations that hit them out of the blue.

People don’t realize that the incidence of disability to the extent just mentioned, is five times greater that the incidence of people having a fire in their home. One reason for that is because a fire is so much more visible and dramatic than a neighbor becoming disabled, and we really don’t think too much about these kinds of things – until they happen to us.

What we are really talking about here, when we talk about high income disability insurance, is the protection of a stream of income that will cease, if a disability lasts long enough, usually about a month to three months. How long could you last with no income? When would the auto dealer come and repossess your car? How long would the mortgage company wait for you to pay your house payment, before they foreclosed on your house?

This is the real issue, and it is a real risk. Most people who have their health insurance through their employer also have disability insurance coverage through their group health plan. However, with the advent of Obamacare, many employers are dropping coverage and pushing their employees toward the exchange that will be handling the government insurance. This, of course eliminates the person’s disability coverage, so in order to purchase it, he or she will have to buy directly from an insurance company.