HealthMarkets Insurance


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Fenton, Missouri 63026

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Life Insurance

Life insurance (or commonly life assurance, especially in the Commonwealth) is a contract between an insured (insurance policy holder) and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") in exchange for a premium, upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. The policy holder typically pays a premium, either regularly or as a lump sum. Other expenses (such as funeral expenses) are also sometimes included in the benefits.

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I have an artificial heart valve in my Aorta. It also made me "uninsurable" before 01/01/2014. I became interested in insurance as a career to help people that are uninsurable or who can't afford regular insurance.