Page 9 - Ornellas Final Copy PDF

Q. I need Long Term Care Insurance and I don’t need my Life Insurance now.
What can I do?

A. Confirm if your current policy has a cash value option that can be rolled
into another policy with Long Term Care type benefits. Or you can apply
for a Long-Term Care policy.

Q. Am I late in thinking about Life Insurance?
A. There is life coverage up to age 80 or 85 depending on which state you
reside in and the carrier used. If your health has changed, thing about a
conversion option or speak with your
agent about your options. Your agent Here are some tips to help you prepare
will be able to assist as he/she has many for your insurance medical exam:
carriers they work with that could be the Eat healthy foods one week in
advance of your examination. In
perfect fit to your needs. additional to reducing your sodium
Q. My health has been poor, and I am intake, these are some of the
wondering if I can still get Life Insurance? healthier foods you can enjoy:
o Avocado’s
A. There are many options. Call and ask. o Fish
It’s important that you are compliant o Salads
o Nuts
and follow all of your doctor’s o Raw Carrots
recommendations, including taking all o High Fiber Foods
medications as directed and completing Fast for 12 hours prior to your
examination
all testing and medical procedures. If possible, avoid taking all
Q. I need help and my agent is no longer supplements. If you are unable to,
available. I need someone to review my take your supplement to the
appointment with you and share it
policy. with your examiner.
A. We can help you. Give us a call and let’s You will want to avoid alcohol
consumption at least 24 hours prior
do a review. We can see if another agent to your examination.
has taken over your account and also call Take a break from strenuous
the carrier if needed. exercise for at least 24 hours prior
to your examination.
Q. My parents may have a policy, how can I If possible, you will want to avoid
confirm this? coffee or caffein until after your
examination, as you don’t want your
A. Most likely they have been paying a blood pressure to be elevated.
premium monthly, so take a look at their Be sure to wear light clothing to
your examination.
checking account. Be sure to talk with You will be measured, so stand up
your parents and get all this vital tall and straight.
information in one place that is easy to
find when needed. You will also want to
review the Beneficiary Information to make sure it’s up to date. It’s best to
review this on a regular basis to avoid any difficulties later.

Q. I don’t need as much coverage as before, can it be reduced?
A. Most policies after 2 years will let you reduce the Death Benefit and the
premium. You can also extend the policy with a lower Death Benefit to age
100 plus.

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