When you plan to buy life and health insurance in Flowing Wells, AZ, or in the surrounding areas, you have plenty of excellent options. Usually, you can get life insurance and health insurance coverage in nearly any form, and you can often find really well priced policies. This is especially true if you work with an independent agency like Shaner Insurance Group, since we have the ability to get free quotes from all the major life and health insurance providers for you to compare. There are several things that can have a major impact on the coverage you receive, and it helps to be aware of these before you try to select a policy.
Health Insurance Factors: Your Past Health
Your health history can definitely have an impact on your health insurance policy choices. If you have experienced poor health in recent years, it may be a little more expensive to get good coverage because of what are usually termed "pre-existing conditions." Each company and in fact every individual policy has very specific rules about which healthcare might be excluded because of past health issues, so it is important to talk to your agent to be sure you understand all of these.
Life Insurance Factors: Your Age
When you buy life insurance, your age can certainly impact the amount that you pay. In general, the older that you are the more expensive your policy will be. The primary reason for that is that any person who is in their "super senior" years is more likely to pass away during the policy term (therefore costing the insurance company a hefty payout) than a person in their college years would be. Your health may also play into your life insurance policy. People will a serious illness will usually have to pay more for coverage than healthy people will.
Both life and health insurance are essential coverage for Arizona residents. Our agents are glad to help you find out all your options, so give us a call if you want free comparative quotes for both types of coverage today!