Seniors today are no different from any other age group. They are active and full of life with no time to be wasted. That explains the reason for the rising number of no exam life insurance requests. Well, the good news is that there are no exam life insurance options for seniors like yourself. However, […]
Trying to get life insurance with COPD can be difficult at times since the disease can get progressively worse. It affects millions of Americans and can be life threatening so life insurance companies will approach the application with caution. The condition itself is a combination of Emphysema and Chronic Bronchitis which in most cases are caused […]
It can get a little tiring hearing agents and families talk about the importance of having coverage. The truth is life insurance is not for everyone. Here are 9 reasons why life insurance may not be for you. 1. You hate your kids Let’s be honest kids are annoying. Especially when they’re your own. They’re […]
Going through a divorce is one of the most stressful things a person can experience. On top of that you happen to be the supporting ex-spouse and now you need to get life insurance to replace the child support or the alimony payments in case of unexpected death. In most cases with court-ordered life insurance […]
Life Insurance is perhaps the most sensible purchase you can make. It provides a large sum to your family in an event of sudden death in return for a small monthly payment. However what many people don’t know is you can make your life insurance policy even better. Yes you can upgrade your policy through policy […]
Fidelity Life is one of the biggest life insurance companies out there. They started around 1896 around the same time the tootsie roll was first introduced. They have a broad selection of life insurance products but what they are really known for is their no exam term life insurance plan. A term life insurance policy available […]
I have ran into many clients who were really concerned about not being eligible for life insurance after a stroke. Stroke is the 4th leading cause of death and many life insurance companies will simply decline you with history of stroke. This is bad news especially when you probably realized the importance of life insurance after […]
Wondering if you can get life insurance with multiple sclerosis, well you can. A lot of times people will lose hope because many carriers will flat out decline an application. To give yourself the best possible chance of getting traditional term life insurance you’ve got to select companies that are competitive with multiple sclerosis as […]
Skin cancer is the most common form of cancer with millions of Americans diagnosed every year. So will that stop you from getting life insurance, well surprisingly not really. Although any type of cancer raises a red flag when applying for life insurance, skin cancer is different. Most applicants with skin cancer can qualify for regular […]
You just started a new career or been with a company for a while and open enrollment is around the corner. And now you have to decide whether to go with group sponsored life insurance policy or buy an individual life insurance policy. This can be a huge fork in the road for many people but […]
There are a lot of people who had hepatitis in the past or are still infected. To be exact there are about 500 million who have a chronic form of hepatitis, not counting people who have the acute infections. Life insurance companies look at your overall risk to determine your eligibility. So your health is […]
Getting life insurance with h a story of breast cancer used to be impossible. But thanks to many women kicking cancers butt and continuing to live out their normals lives companies had to reconsider. In the recent couple years, few companies have changed their guidelines to be more aggressive with placing cases with breast cancer. […]
If you’re disabled you must be wondering if you can get life insurance. Well, it all depends on why you are disabled. When it comes to disability it can be from a mental condition, a physical injury or due to an illness. It is a little harder to get covered with a disability than someone […]
So you’re not a fitness buff and are wondering how your build will affect your rates. The good news is that most life insurance companies give a lot of leeways to keep you at favorable rate classes when it comes to build. Rate classes are what a company will assign to you based on your overall […]
When it comes to life insurance with a condition such as epilepsy it can become more difficult to get covered. However it’s not impossible as long as your condition is under control and you apply with the right company. You should be prepared to pay a little more for your coverage than an average applicant. […]
Getting life insurance with depression is a much easier task today than it was a few years ago. Thanks of course to a better understanding of depression and it’s treatment by the life insurance companies. As time goes by it is getting much easier to get affordable payments and higher approval rates with life insurance companies. […]
Getting life insurance with a bipolar disorder might seem like a daunting task. It might be if the right steps are not taken to ensure the best possible outcome. To do that you must work with an experienced agency that can pick the right company, be able to show evidence of compliance and take extra steps […]
Wondering if you can get life insurance with Asthma? You can, so breathe easy. What does matter, however, is if you will qualify for the best rates. They key is to find the right life insurance company and show that your condition is well controlled. Everyone deserves to protect their family’s financial future and just because […]
Unless you go with a no medical exam life insurance policy most carriers will require for you to take a medical exam. During the exam the nurse will check your built, your blood pressure,take a urine and blood sample. The truth is that getting life insurance with high blood pressure is really not that complicated. […]
Is it possible to get life insurance with ulcerative colitis? Yes, it is, but it will depend on the severity of your condition. The key is knowing specific details about your condition, so you and your agent can then use that information to shop with life insurance companies that are competitive in underwriting that condition. […]
So you beat thyroid cancer and wonder if it is possible to get life insurance. The answer is yes, but of course it depends on certain factors. Unlike in the past life insurance companies are now approving cancer survivors at reasonable rates. It has a lot to do with higher survival rates and improvements in […]
Getting life insurance with a DUI is no easy task. If it is not your first time than you might be aware of getting declined or getting charged astronomical rates because of a past DUI. What I want to cover is what the companies look at, rate classes they can assign and possible outcomes based […]
It used to be very hard to get life insurance with sleep apnea in the past. Carriers would give you much higher monthly payments or sometimes even decline an applicant altogether. Fortunately, due to more data showing sleep apnea can be managed with treatment, companies started offering much better rates in recent years. It is […]
Life insurance is one of the few products that we don’t buy for ourselves but for the continued well-being of our loved ones if something was to happen to us. Everyone wants to know how does life insurance work but nobody seems to have the answer. I even searched online to see what’s out there and let […]
