When was the last time you sat down and actually thought about your insurance coverage? Let’s face it, it’s not exactly on the weekly “to do list” for a wide variety of reasons and so it’s not surprising that many are caught unprepared when an emergency happens. One thing to remember is that you don’t have to live in an area susceptible to a major disaster (i.e. living in an earthquake or hurricane prone area) to suddenly realize that your current insurance coverage is woefully out of date.
Purchasing insurance is clearly a daunting task for many, but because it’s more or less a necessary evil I’ve listed a number of key factors to consider when you finally do take the time to make sure your coverage is up to par.
Pre Existing Conditions and Full Disclosure
Before being approved for any insurance coverage all applications are looked at by an underwriter. It’s an underwriter job to pretty much look at everything about you related to your medical history, when you apply for any type of individual health insurance policy.
Be honest about everything and be sure to disclose any pre-existing conditions...
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