Tag: Langley

Critical Illness is an insurance policy, where you protect yourself from 25 illnesses – including Heart Attack, Life Threatening Cancer, and Stroke. If you are diagnosed with those or one of the 22 other illnesses by a doctor, survive 30 days (for most illnesses)… you receive a lump sum of money. That’s IT! You can choose what you’d like to use that money for.

You’ve all heard me say many times that markets will go up and down, and the people who win are the ones who stay invested and have someone watching over their money.

Mortgage insurance is owned by the bank. It is put into place by the bank and is there to protect the banks balance sheet rather than your family. Each and every time you move or refinance your mortgage you must re-qualify medically for coverage and if you have had a change in health and now you don’t qualify, you are left without coverage. With individual life you own the policy and it follows you wherever you move… it’s not attached to your mortgage.