Sometimes people delay buying life insurance which is often a major mistake. These people are gambling whether they know it or not. They place their loved ones at risk because they become an early statistic, or they may not be able to buy life insurance in the future for one of many reasons.

Every year thousands of people who need life insurance to protect their family are turned down for coverage for one or more of the following reasons:

• They have a poor driving record;

• They have high blood pressure;

• They have developed diabetes or prediabetes;

• They have high cholesterol;

• They have had a heart attack or a close relative has a history of heart or kidney disease or serious medical issues;

• They have engaged in dangerous activities or hobbies, in the last two years, such as sky diving, rock climbing, driving motorcycles, automobile racing, scuba diving, surfing, or flying private aircraft;

• They have a dangerous job such as a roofer or construction framer;

• They have financial problems and/or a low credit score;

• They have been treated for cancer, alcoholism, or drug use;

• They have been convicted of a dangerous felony;

• They have a history of smoking cigarettes or marijuana; or

• They have seen a doctor for depression, anxiety, or other similar mental health issues. Protect your family by acquiring life insurance while it is available to you. Also, with every birthday, the cost of insurance increases.

 

 

Life Insurance - Types of Policies

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Questions to Ask Yourself Before Buying Life Insurance