Page 11 - Ornellas Final Copy PDF

Long Term Care
Q. I need Long Term Care coverage, what can I do?
A. You can convert a current policy or apply for new coverage. Take a look at
your assets and see if it’s possible to co-insure a Life Insurance policy with
a Long-Term Care policy. Also consider having your children help pay the
premium now or in later years.

Business – Key Person Coverage
Q. I need coverage for my business if my partner or a Key Employee dies.

A. There is Key Person coverage for an owner or Key Person that allows a
business to obtain a policy where the company is the beneficiary and the
owner of that
policy. This allows
Here are ten tips that will help you get the best health rating on your
policy, which translates to the best coverage for your needs: a company to
Be truthful on the insurance application. Sharing everything with continue in
your agent will ensure that he/she finds the best carrier for your business while
needs. recovering from a
Share all pre-existing conditions, including your family history of
any illnesses or life altering diagnoses. death of the owner
Be sure to take advantage of any wellness appointments or or Key Person. This
checkup/ follow up appointments as recommended by your also provides for
practitioner. This includes physicals and dental checkups. buy/sell coverage
Don’t ignore your doctor’s recommendations. Follow all
instructions closely. This includes taking prescribed medications that allows for
and supplements as instructed. funding to purchase
Don’t wait on those outstanding medical procedures. Get them back shares and
done. You want to be in the best health possible.
Your height and weight ratio will be taken into consideration. If make the estate
you feel that you have a few extra pounds to lose, now is the time. whole of the
Talk to your practitioner to help you develop the best weight loss partner who died.
or maintenance program for you.
Not only will our medical history be taken into consideration, but Q. I’m going to stay
the following will also be looked at as part of the underwriting in my business to
process: work until I’m 76 so
o Your Driving Record
o Your Travel History I need longer
o Your Hobbies coverage or more
o Your Financials coverage.
The goal is to present the healthiest you possible on the day of your
paramedical examination. If you are not feeling well, reschedule A. You can convert
your appointment. your current policy
and look at another
short-term coverage policy to meet your current and future goals. You can
also apply for new coverage as its common for people in their 70’s to be
approved at Best Health Class.

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