It is December 2020 as I write this—the year of Covid-19. At this moment, the world is experiencing an uptick surge in new Covid-19 cases as winter weather brings us inside and in closer quarters with a higher risk of virus spread. Caution for family get-togethers and social gatherings is creating additional stress and anxieties for everyone. Asking the question: What if I get this thing…and what if I die? What about my parents? My kids? Approved vaccines now bring us hope for the future but are still months away from the general community.
Having Covid-19 Changes the Way We View the Future
You SURVIVED a Covid-19 infection. Whew!! Your personal anxiety levels have been lessened but not the concerns about your own mortality. That seems to be the consensus of the Covid Survivors we’ve spoken with here at Family Tree of Life. Survivors tell us they now want to make sure their financial house is in order and one way to do that is with LIFE INSURANCE PROTECTION. Life insurance protection wraps you in a blanket of financial security and if this Covid Virus has caused anything positive, it is the heightened awareness of a person’s financial vulnerabilities if they should die. In a very real sense, we have all become more conscious of being prepared for any uncertainty.
The LOW COST of TERM life insurance protection allows you to put a temporary term insurance policy in place while a more substantial permanent financial plan is put together with your financial advisor. A very inexpensive 10-year term policy can lay the foundation for a longer lifetime financial strategy for your family or your business.
Can I get Life Insurance Now During this Pandemic?
YES—Life insurance underwriting during Covid has some restrictions regarding age and any preexisting health condition concerns like Asthma, Diabetes, and if you are currently overweight. While you may be asked those now common questions about prior or recent exposures to someone testing positive for Covid-19, the life insurance underwriting process has actually become EASIER. Many companies have put in place ACCELERATED UNDERWRITING programs and protocols that CAN allow life insurance protection to be issued and put inforce WITHOUT an INSURANCE EXAM or fluid testing (BLOOD/URINE).
Can I get Life Insurance After a Covid-19 Infection or Positive Test Result?
YES—Life insurance underwriting after Covid infection falls into 3 categories of risk:
- Fully recovered without residual symptoms
- Required hospitalization to assist with symptoms but no Ventilator needed
- Intensive Care hospital treatment that required a ventilator
Fortunately, most Covid-19 infections fall into Category 1 and after just 30 days free of any symptoms or residual complications, you CAN be insured and potentially as a PREFERRED RISK CLASS!!
Category 2 is a more serious infection that is requiring a 90 day waiting period after full recovery.
Category 3 is the most serious type of infection and requires a 6-month delay after full recovery and closer scrutiny of any follow-up complications.
Can you obtain LIFE INSURANCE Protection NOW during this pandemic?
YES—and it’s easier than you think!
Can you obtain LIFE INSURANCE Protection AFTER Covid-19 exposure?
YES, YOU CAN!
Click on the quote engine now and get your confidential process started. Your life insurance protection is surprisingly easy to obtain and also surprisingly affordable!!
