Don’t Want to See A Doctor?

Life insurance ensures your family is protected. It offers peace of mind: your loved ones will be safely supported. But how do you choose between term and permanent life insurance? It depends on your budget, how long you need the coverage and your long-term plans.

Are you tempted to skip that annoying medical exam? You’ll pay about 20% more for your premiums, just to avoid the doctor. That’s worth it if you have a hidden medical issue. Otherwise, it isn’t.

As a result of the Covid-19 pandemic, the medical exam threshold has been raised much higher. You can work this to your advantage. It used to be mandatory for policies valued at $500,000. Now, it’s for at least $1 million. Depending on your age, it could be up to $2 million. You can get this higher limit with out the hassle of having to see a Doctor.

Your choice of life insurance should be based on your needs, your budget, and your long-term goals. Talk to your Carte Financial Advisor about the options that will best protect your family.