We have written in the past about our ability to provide affordable life insurance to individuals who have received heart valve repair or replacement surgery. Recently, one of our client’s wrote us a beautiful testimonial about her and her husband’s experience trying to find life insurance after his mitral valve had been replaced, which I’ll share below.
Client Testimonial – Heart Valve Replacement Life Insurance
Just a note to thank you for doing what no one else seemed to be able to do and what we had come to believe was impossible. We had thought we had our retirement plans set until Joe developed a heart valve problem that ultimately required surgery. We had term life insurance in place to cover my needs in case he should pre-decease me. Unfortunately, his term policy reached the end of its level payment period and because of Joe’s valve replacement (which was totally successful, thank goodness!), we were unable to secure a reasonable level rate plan and had to accept extremely accelerating premiums.
We checked with a number of agents who were unable to offer us any reasonable program. Joe even spoke with his cardiologist, whom we thought would probably have had this question posed by other patients, and his only suggestion was to buy a number of smaller policies that might not have the same stringent medical restrictions. When Joe found you (on an internet search), we were immediately amazed at the lengths you went to in order to secure the insurance we needed for peace of mind. We ended up with more life insurance than we’d had previously for only slightly more than we’d been paying, and without the worry of increasing premiums. During this whole process ( and I think anyone will tell you that securing insurance is not a simple thing), you and your assistant, Kim, were incredibly attentive to our questions and steered us through the whole thing.
I really appreciate your “fighting” for us to get the best possible rates when no one else would do that – just basically told us it wasn’t possible or didn’t even call us back. Aside from now having the insurance we need, we feel that we’ve made a friend.