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Can You Buy Life Insurance With an Existing Health Condition?

Many prospective insurance clients worry that they won’t be able to purchase life insurance if they have an existing medical condition. They may fear that their condition increases their risk of an early death, making it difficult to obtain coverage. A pre-existing condition is defined as a medical issue diagnosed before the date you apply for life insurance. According to NerdWallet, the U.S. Centers for Disease Control reports that the majority of adults have one or more pre-existing medical conditions.

Fortunately, a pre-existing condition doesn’t automatically disqualify you from obtaining life insurance. Some insurance agencies offer specialized policies for individuals with chronic conditions. However, your condition may result in higher premium costs. Your agent may also require documentation from your doctor to confirm that your condition is under ongoing treatment.

Call Us Today for Your Appointment

We believe everyone can benefit from having life insurance. Our team at Blue Hen Insurance LLC offers a wide range of customized insurance plans at reasonable prices. Clients in Middletown, DE, have come to expect excellent customer service and informed responses to their questions. Call us today to schedule an appointment, and let us help you find the ideal insurance policy for your needs.

Is Workers Compensation Insurance Legally Required?

Posted on July 31, 2025July 23, 2025 by admin

Workers’ compensation in Middletown, DE, is designed to protect both employees and employers in the event of a work-related accident. This insurance helps cover lost wages and medical expenses, reducing the risk of liability lawsuits. However, it can also be an additional expense for business owners. If you own a business in Delaware, there are several legal requirements you should be aware of.

Often Legally Required

Delaware prioritizes the well-being of its workforce. Most businesses, including those with just one employee, are required to carry workers’ compensation insurance. This mandate is outlined in Title 19 of the Delaware Code. Workers’ compensation insurance must include coverage for medical expenses, disability benefits, lost wages, and other necessary costs resulting from workplace injuries.

Risky Industries

Certain jurisdictions may require additional coverage for workers in high-risk industries, such as construction. For example, businesses in these industries may need to provide higher death benefits due to the increased risk of fatal accidents. It’s essential to review state laws and local regulations to ensure compliance with these requirements.

Sole Proprietors

Sole proprietors, who are often the sole owner and employee of their business, are typically not required to carry workers’ compensation insurance. However, many choose to purchase individual coverage to protect themselves in case of an on-the-job accident. A professional agent at Blue Hen Insurance LLC can help you explore your options for coverage.

At Blue Hen Insurance LLC, we recognize the importance of complying with legal requirements. Our experienced representatives can guide you through the process of obtaining workers’ compensation coverage. Contact us today to get started. We proudly serve the Middletown, DE, area.