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Critical Illness Insurance—What You Need to Know

Critical illness insurance pays you a lump-sum cash amount if you are diagnosed with any one of the critical illnesses covered by your policy, even if you make a full recovery. Disability insurance on the other hand pays you a regular payout when you’re ill or hurt and can’t work. It protects your income from the very real possibility you’ll become disabled for a period of time during your career, whether due to injury or illness.

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Looking for a Guaranteed Income Stream?

If you are concerned about outliving your savings, perhaps an income annuity will fit your needs. An annuity can offer a guaranteed lifetime income that you can’t outlive.

Fixed income annuities are offered with a number of payment options, allowing you to structure payouts according to your financial goals and objectives. Consider these four income streams:

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Can I Still Get Life Insurance After a Heart Attack?

It shouldn’t come as a surprise that people with a history of illness like heart disease would have a more difficult time getting approved for life insurance than others who are healthy. But the key word here is difficult, not impossible.

If you’ve had a heart attack, knowing what to expect when you apply for term life insurance will greatly increase your chances of getting good coverage.

What do insurance providers need to know?

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