Life Insurance

Death due to a heart attack, as well as sudden death, does not have to be an exception in a life insurance policy, but it can be subject to specific conditions or different amounts in compensation according to what is included in the conditions of your life insurance. If you are concerned that death caused by a heart attack is not included in your policy, it is important to review your contract in detail and choose optional guarantees that are always adapted to your preferences; with the exceptions of what some companies offer and the details of the policy. They are personal and exclusive products to assess not only the issue of including death from a heart attack but other diseases or causes of death.

Get The Facts

It is important that you consider both the general insurance guarantees, as well as the exceptional or optional ones that may or may not be of interest to you. There are a series of general guidelines that will help you to approach a company like Moore-Lancaster Agency and get help in understanding your life insurance policy. It is worth it that you have clear concepts so as not to make mistakes or discover in the worst moments that you do not have the appropriate protection and coverage that you expected from your life insurance.

The Exceptions

If your life insurance policy has exceptions to its general coverage, it must be collected and specified in a concrete and explicit way within the policy. Take your time, study it in full and ask questions before signing. Any doubts or problems you find is the time to change or reject what you do not consider fair or adequate. Generally, it counts, for example, that the case of suicide is one of the most common exceptions along with the accidents that occur when the insured is under the influence of alcohol or drugs.

The Medical Examination

Life insurance is often subject to final approval to the holder passing a medical examination, but in addition, the insurer conducts an interview with the new client where the holder cannot hide data or leave episodes of his medical history unlisted. In the case of a heart attack, if you have already suffered some type of vascular condition or even had an actual heart attack, the insurance company must know about this. If you hide it, you risk that if you actually passed away due to a heart attack, the life insurance policy is canceled due to non-exposure of this important detail.

Make sure that you take out life insurance that facilitates your specific personal and family circumstances. The importance of a subject as personal as life does not gauge generalities. The compensation for death by disease is often different than those of accidental causes. If you reside in Oklahoma and are ready to secure life insurance coverage to protect you and your family, contact Moore-Lancaster Agency.