In the past, pre-existing conditions often meant that you would be denied for certain types of health insurance. Today, however, residents who live in the Burlington, NC area can discuss their health insurance options with the agents of Don Allred Insurance. Each agent has years of experience when it comes to health insurance and all of its nuances. Understanding how pre-existing conditions affect your insurance is important before you buy a policy.

Previously Diagnosed Health Conditions

Previously diagnosed health conditions like cancer, heart disease, and devastating injuries can have an impact on your health insurance. In the past, many of these conditions would disqualify you for future coverage. Today, however, pre-existing conditions aren’t as taboo as they once were and will not cause you to be ineligible for insurance. This is especially true if the diagnosis is several years old and you have not had any reoccurring symptoms. 

Chronic Long-Term Health Conditions

Chronic long-term health conditions may also have an impact on your insurance coverage. Treatments that have been in place for long periods of time may need to be reviewed but for the most part, should be covered under a new policy. This is especially true if the condition requires specific medicine such as diabetes. 

The agents at Don Allred Insurance serve residents who live in Burlington, NC and many of the surrounding communities. Having health insurance is a necessity for most people. Understanding what a pre-existing condition is and how it impacts getting a new policy is extremely important. When you are in the market for a new health insurance policy, talk to an agent so you get a full understanding of how your health insurance works.

Choosing the right life insurance for your family’s needs can feel like an overwhelming task. With the help of Don Allred Insurance, many families in the Burlington, NC community have the protection they need. With the many options that are available, it helps to have a knowledgeable agent on your side when it comes to narrowing down your choices. Whatever the needs of you and your family, there is likely a life insurance type that can meet them.

Which type of life insurance is right for your family?

The main types of life insurance include term, universal, variable, and whole life. Each type meets different needs, and they all provide the all-important death benefit. Choosing the right insurance type, and the proper level of coverage can be a daunting job. Term life carries no cash value and solely provides a death benefit. Variable, universal, and whole life all have different benefits, but typically, they all can amass cash values that you can access during your life. Depending on your family protection and financial needs, there is likely a type of life insurance that is right for your needs. A policy that provides a living benefit can be very helpful when you are purchasing a home, paying college tuition, or have a major life expense like a wedding. It makes sense to first sit down and determine your needs, both short and long-term and then go from there to determine an appropriate policy for your family. 

Do you have questions about choosing the right life insurance policy for your family? Call or stop by Don Allred Insurance today if you are in the greater Burlington, NC area. We are here to help our friends and neighbors get the protection they need!