Thinking about Life or Critical Illness Insurance? Here’s What You Should Know!
October 15, 2025 at 3:50 pm,
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Whether you’re protecting your family, your income, or your future, choosing the right coverage can make all the difference. Here are a few tips I always share with my clients: 
1. Start with your “why.”Ask yourself what you want to protect — your loved ones’ financial security, your mortgage, your business, or your lifestyle. Your “why” determines the type and amount of coverage you need.
2. Understand the difference.• Life insurance pays a lump sum to your loved ones if you pass away.
• Critical illness insurance pays you a lump sum if you’re diagnosed with a serious illness (like cancer, heart attack, or stroke). It helps you focus on recovery — not bills.
3. Don’t just look at price — look at value.Cheaper isn’t always better. Consider how long the coverage lasts, the conditions covered, and any added benefits (like child coverage or return of premium options).
4. Buy when you’re healthy.Premiums are lower and approvals are easier when you’re in good health. Waiting can make coverage more expensive — or harder to get.
5. Review your coverage regularly.Major life changes (marriage, kids, new home, new job) often mean your insurance needs change too. A quick review can keep your protection on track.
If you’d like a personalized review or just want to understand your options better, send me a message — no pressure, just good advice
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