Month: October 2025

I have a pre-existing condition. Can I get life insurance?

Posted on by AgentInsure

Many people consider investing in life insurance as a way to protect loved ones from potential financial burdens after death, as well as to address other financial obligations. Life insurance offers numerous benefits, some of which can be utilized while you are still living. It is typically designed to cover a specific term or period of time, or your entire life. At Cross Creek Insurance, we understand that life insurance can be confusing, and many people have questions about how it works and who should invest in it.

What is life insurance?

Life insurance is a type of policy designed to provide a financial payout to the beneficiaries you designate in the event of your death. Policies can be set for a specific term or period of time, or they can cover your entire life. Life insurance can also be used to meet financial obligations, such as paying off debts or covering end-of-life expenses. However, the specific benefits depend on the type of life insurance you choose and the terms of your policy.

I have a pre-existing condition. Can I get life insurance?

It is possible to obtain life insurance even if you have a pre-existing condition, although your premiums may be higher. You may also have fewer options, and the terms of your policy could differ. Your ability to secure life insurance depends on the specific insurance company, as well as the nature of your condition and overall health. At Cross Creek Insurance, our agents in Hope Mills, NC, are dedicated to helping all clients explore their options, regardless of any pre-existing conditions. We are committed to finding the coverage you need and answering all of your questions. Contact us today to learn more.

Optional Commercial Insurance Every Business Owner Needs

Posted on by AgentInsure

Most businesses are required to obtain certain types of insurance. However, there are several additional options business owners should consider based on the specific needs of their business.

Legal Requirements

Businesses with more than one employee are required to have workers’ compensation insurance to cover potential injuries that occur on the job. Owners are also required to carry liability insurance to protect against lawsuits, such as those resulting from a customer being injured on the property. An agent at Cross Creek Insurance can help you understand and meet these legal requirements.

In addition to mandatory coverage, there are several optional forms of insurance to consider.

Property Coverage

It is essential to ensure your business property is adequately covered. Property insurance should protect against natural disasters and common perils, such as vandalism and fires. Be sure to ask whether this coverage includes inventory or if you need additional insurance for those items.

Business Interruption Coverage

Business interruption insurance provides financial support if you need to close your business for any reason temporarily. This type of policy can compensate employees or the business owner for lost wages, helping you avoid a stressful financial situation during unexpected closures.

Specialized Insurance

Businesses in industries like construction or those that rely on specialized equipment and tools should consider a commercial policy to protect their assets. These policies can cover theft or damage, which is especially important if you need to leave large equipment unguarded at a job site.

At Cross Creek Insurance in Hope Mills, NC, we understand that every business has unique needs. Our agents will work closely with you to identify the best coverage options for your situation. Contact us today to learn more about your insurance options. We proudly serve North Carolina residents.