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Cusack Insurance Agency

5700 W 95th St
Oak Lawn, IL 60453

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Can I Get Life Insurance If I Have A Medical Condition?

Even with a medical condition, you can get life insurance but you’ll pay more than a healthy person. You can expect to pay from 40-150% more than someone without a medical condition would pay for the same amount of coverage. 

For instance, if you have a heart condition and are seeking $500,000 in coverage, you could expect to pay $1,000 per month for this policy (versus $500 per month). Talk to Cusack Insurance Agency for expert aid in Oak Lawn, IL.

Life Insurance and Medical Condition 

Life insurance pays for items like hospital bills and prescriptions. Many people choose to buy life insurance when they become sick, rather than deal with the financial risk of buying a traditional policy. 

It’s a good idea to get life insurance if you have a medical condition that could cause your insurance to cover costs for a long time. Also, consider the coverage if you have a long-term illness that could cause your insurance to cover costs for a long time. 

If you have a serious medical condition, like diabetes or heart disease, you may not be able to work or spend most of your time in the workplace. If that’s the case, life insurance may be a better choice. 

If you can work but only make about 30% of your usual income, life insurance may be a good way also. A patient with a certain health condition may be more susceptible to infection than another patient. If you happen to be in this situation, you can get life insurance. 

Life insurance provides protection against certain types of risk. If you have a medical condition that may happen to your child or anyone else in your household, you need the coverage. Most doctors and health insurance plans will provide coverage for your child’s doctor if you have health insurance.

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When you have health problems, insurance can help you get the treatment you need without worrying about what will happen if you don’t accept the treatment. 

If you have a medical condition that makes you more susceptible to disease, life insurance can help you get the treatment you need. For expert insurance advice, contact us today at Cusack Insurance Agency in Oak Lawn, IL.

Should I Get Home Insurance From My Mortgage Lender?

If you’re buying a home, the mortgage company will likely be your biggest source of home insurance. The companies know what’s best for their customers, hence, they have competitive rates and high-quality coverage options. 

Getting home insurance through your mortgage company can save you money, especially if you have a jumbo mortgage and a large equity line. For expert advice in Oak Lawn IL, consult Cusack Insurance Agency. 

Should I Get Home Insurance From My Mortgage Lender? 

If you have home insurance, but looking to switch providers, then it is worth considering whether or not to keep your existing policy in place while you look for a new one. If you are happy with your current provider and they offer flexible payment options it may make sense to keep them in place while taking out a new one with another provider as well. 

This can allow you to spread out the payments on both policies until they come due for renewal so that you aren’t making two large payments at once. However, if either of those policies comes up for renewal before the other then it makes sense to cancel one or the other and move all payments over to your preferred provider. 

If you have a mortgage and are buying a home, it’s a good idea to shop around for home insurance and make sure you’re getting the best deal. Most mortgage companies can be a good option if you have a large mortgage and your house is worth a lot of money. 

In case you have a problem with your home or need to make repairs, the lender may not be able to help you. The mortgage insurance policy often covers the house for up to a specified amount, such as $100,000, in the case of a total loss. The value of the house may be lower than the mortgage, so you may end up paying a lot more than you need to. 

If the house is ever damaged and is no longer worth the amount of the mortgage, the mortgage lender may collect on the insurance to recoup their loss. Many mortgages require that homeowners carry insurance on their homes. 

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When purchasing home insurance, you may have a different preference than the one used to secure your mortgage. If you are unsure whether or not to purchase your home insurance from the mortgage company or if you have any questions, please contact Cusack Insurance Agency in Oak Lawn, IL.

What Happens If I Get Into An Accident With An Uninsured Driver?

If you have uninsured motorist coverage, it will pay for any medical bills or other expenditures incurred as a result of a collision with an uninsured driver. Many people mistakenly believe that their car insurance policy will cover them if they are in an accident with an uninsured driver. 

Unfortunately, that is not the case. You can boost your liability coverage to accommodate the risk of being hit by an uninsured driver. If you live in Oak Lawn IL or a surrounding neighborhood, you can reach out to Cusack Insurance Agency. 

What to Know About the Policy 

If you get an accident with an uninsured driver, the at-fault driver’s liability coverage will likely cater to damages per the policy’s limits. However, if you do not have liability coverage, you would be liable for damages up to the limits of your savings account. 

While you can’t predict safety, you can take steps to make sure you’re covered in the unfortunate event of an accident. If you don’t have insurance, ensure you’ve sufficient assets to cater to your potential accidents. It’s also essential to keep up with your insurance payments on time. If you have liability limits that you’re not comfortable with, you may want to consider increasing them.

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If you’re hit by an uninsured driver and you have insurance, your policy will most likely cover the costs of fixing your car and any other damages you suffered. However, you may have trouble getting the other driver’s insurance company to pay up if the other driver was uninsured. 

Uninsured drivers pose a serious risk to all other drivers on the road. It’s important to make sure you’re driving with insurance, and you should make it a point to avoid driving around uninsured drivers whenever possible. Call to seek professional help from Cusack Insurance Agency in Oak Lawn IL.

Life Insurance FAQs

Most of the time when we think of investments, we think of savings accounts and retirement plans. But life insurance is also an important type of investment as well. At Cusack Insurance Agency, serving Oak Lawn, IL, we are here to answer your insurance questions so that you can make the best insurance choices. Keep reading to learn more about life insurance. 

Life Insurance FAQs 

How Does Life Insurance Work?

Life insurance is a type of insurance product that you pay for during the course of your life. In the event that you pass away, a life insurance benefit will be paid to your family. This benefit can be used to pay for your final expenses and/or to help your family financially. 

How Much Will Life Insurance Pay?

The amount of the benefit will vary depending on the policy you purchase. Life insurance policies come in different amounts. The amount you need will be unique to your particular family and situation. 

How Much Life Insurance Should I Purchase?

To determine how much life insurance you should purchase, you will need to sit down with an insurance representative. This professional will be able to look at the details of your family and finances to help you figure out an appropriate amount of life insurance. Remember, the amount of life insurance you purchase will depend on your family’s goals, the standard of living, and expectations for the life insurance policy. 

When Should I Buy Life Insurance?

Life is uncertain, so there is never a bad time to buy a life insurance policy and start planning for your family’s future. 

If you would like to learn more about life insurance, or any of our other insurance products, please contact us at Cusack Insurance Agency, serving Oak Lawn, IL, and the surrounding areas. We will be happy to answer your questions. 

What auto insurance is required in Illinois?

Like most other states, Illinois has insurance requirements if you want to drive in their state. This protects all motorists from an accident they may not have caused. The state lays out mandated amounts that it feels make sense and your insurance agent makes sure that you meet those requirements. At Cusack Insurance Agency in Oak Lawn, IL, we have access to more than a dozen insurance carriers, which allows us to give our customers more choices. With more options, it’s easier to find just the right policy for you. 

Auto Insurance Facts

To comply with the law in Illinois, drivers must have liability insurance in the amount of 25/50/20. This is the lowest amount you must have to comply with, but it isn’t necessarily the right amount for you. Talking to your insurance agent will allow you to have coverage that makes sense with the number of assets you have. If the injuries in the accident go above the basic amount, you could find yourself owing a lot of money. 

But other requirements don’t come from the state of Illinois. They come from the holder of your auto loan or the lease on your vehicle. They own part or all of your car, and it needs to be protected. This requires two other types of coverage, collision and comprehensive.

Collision covers damage that happens in a collision. It can be a multicar collision or a one-car collision. It can be the result of a vehicle that doesn’t stop after it hits you. Comprehensive is many other things you have no control over that can damage your vehicle. It also covers the theft of your vehicle and covers the glass. 

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Contact Cusack Insurance Agency in Oak Lawn IL, with any insurance needs you may have. We are a full-service independent insurance agency. 

Four Steps for Documenting Personal Items for Home Insurance

If you have homeowner’s insurance, could you back up a claim for the items in your house? Do you have proof that you own your TV, the clothes in your closet, that antique necklace?

An inventory of your personal items is a big job, but it doesn’t have to be overwhelming. Cusack Insurance Agency, serving Oak Lawn, IL, can help with any questions you may have about this process. 

Here are four steps to success: 

1. Capture Images                                                            

Start with a video or pictures.  Record room by room, sweeping the camera slowly over all the walls, all the contents, and inside closets and drawers. Talk while you’re recording, describing things.  

If you decide on pictures instead, take at least four pictures of every room, plus the contents of closets and cabinets. Keep photos in order so it’s clear what items are in which room.   

2. Hang Onto the Details     

Keep all your receipts and big item information in one place. You’ll need makes, models, and serial numbers to replace appliances and electronics. You’ll need appraisals if you have expensive jewelry or collectibles.

3. Make the List

You also need a list of everything you own, whether you go old-school with pen and paper, make a spreadsheet, or use an app like Nest Egg or Sortly.

Fortunately, less expensive items, like hardcover books, pants, or shoes can be grouped. Record what the insurance company needs to prove you owned it, and what you need to be able to replace it.

4. Keep it Safe

Once you have your images, your list, and your backup documents like receipts, keep them together in a safe deposit box. If it’s all digital, back it up in the cloud. If it’s physical, keep copies of the property.

Sending a copy to your insurance agent is also a great idea. At Cusack Insurance Agency serving Oak Lawn, IL, we can double-check if you have enough coverage for all your personal property.

Partner Carriers

  • Foremost
  • Mercury
  • Progressive
  • Safeco
  • Travelers