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.