- You should buy the most insurance you can afford.
Not true! Any reputable insurance company will recommend an amount of coverage based on your specific financial needs, like your mortgage, tuition and daily living expenses. What you can afford has nothing to do with what you need!
- If I die during the first two years, the insurance company won't pay.
This is not true! The two-year waiting period only applies to specific situations, like suicide or misrepresentation when you purchase the policy.
- The longer I wait to buy insurance, the more I save.
Actually, the best time to buy life insurance is when you are young and healthy. Later, it can be much more expensive and harder to obtain. It makes far more sense to get life insurance when you are eligible to receive the most favorable rates.
- If I have diabetes, insurance is out of the question.
Well, you might be pleasantly surprised. AHIA works with insurance companies and other health advocates that specialize in helping people who have Type I and Type II diabetes. We will be able to find you a plan that fits your needs.
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