One of the most heartbreaking moments in any family’s life is losing their home due to inability to keep up with mortgage payments. There are many reasons that could bring a family to the brink of bankruptcy, but the most prevalent is financial loss due to medical issues (accidents or illnesses) which inevitably brings loss of income/revenue. The good news is, it’s all preventable: No, we can’t predict if your family will face a major illness at some time in the future, but we can help you prepare for the unpredictable with Mortgage Payment Protection. The best part: if you get mortgage protection and are lucky enough to not need it, you can receive ALL premiums paid back, at the end of the contract/policy if you add the “Refund or premium rider” when you get your policy.
Another hard moment is when a senior has to leave their house and transfer into a long-term care facility due to poor health and the need for 24/7 care. This could also be avoided with planning to get a Long-Term Care policy, that would pay for the high expenses to have an in-home care nurse. Usually people plan on finding a LTC policy soon after they hit the age of 50. The reason is that the rates are lower and you can’t predict when your health will change, making you potentially uninsurable if you don’t already have a plan in place.
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