A family dealing with a sudden illness or injury sustained by a loved one will not be thinking of all of his or her details, but they should keep track of bills as they are received and come due. They should make sure that utility bills are paid, propane tanks remain full, etc.
In particular, they should make sure that premiums on health insurance, life insurance, disability insurance, auto insurance, and homeowner's insurance are paid and kept current. For some of these coverages, keeping them in force will be of crucial importance to the affected person and his or her family.We have seen numerous cases where life insurance benefits that the family expected, and depended on, are not paid because the insured, due to lengthy illness before he died, allowed the policy to lapse for non-payment of the premium.
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