There are many types of life insurance policies out there and its hard to navigate them all on your own. So let’s skip the lengthy introductions and get into what final expense life insurance is and which type of final expense policy is right for you. Essentially, final expense life insurance is a policy designed […]
Term life insurance is a life insurance product that is designed to help you protect your financial responsibilities temporarily in the case that you pass away. Most of our clients are a perfect fit for a term life insurance policy since it can cost less than a can a coke per day but provide a […]
It may seem like a daunting task when considering getting life insurance with a history of cancer. Surprisingly life insurance companies have left options on the table in regard to attaining life insurance with prostate cancer. Not only can you get coverage, but there is a possibility for good rates with favorable factors at play. […]
Life insurance with no medical exam has been growing in popularity. And if you’re a busy New Yorker it probably looks like an attractive policy considering there is quicker underwriting and no medical exam required. However, the downside is not all companies offer no exam coverage in New York. The reason is simple: regulation. So […]
Most of the content out there regarding the topic of life insurance attempts to explain it by throwing around a ton of industry jargon with the expectation of “educating” people. Instead this just leaves consumer more confused and more afraid of making the wrong decision in purchasing a life insurance product. So in this article I […]
As an independent online life insurance agency, we get the opportunity to shop around with many companies. Being a consumer first agency, over time we found that some products perform better than others for our clients. So in lieu of that, we started the “InsureChance Approves” series of articles, highlighting products that customers pick over others, […]
Life insurance is one of those things that is usually approached with a paradoxical mindset. It’s often put off because death is only something that happens to other people. We get car insurance because we don’t know when a car accident may happen or if it ever will. We get health insurance because we don’t […]
The life insurance industry has been taking a step toward catching up to the needs of the modern day consumer and companies have started to provide products in a more convenient fashion. A lot of these include life insurance policies with simplified underwriting and offer no exam. There are many companies competing in the no […]
When applying for life insurance you will come across a lot of industry vocabulary. One of the words you will hear the most often is “death benefit.” So, what is a life insurance death benefit? A death benefit is the amount of money your beneficiaries will receive when you pass away. In simple terms, it’s […]
As an independent online life insurance agency, we get the opportunity to shop around with many companies. Being a consumer first agency, over time we found that some products perform better than others for our clients. So in lieu of that, we started the “InsureChance Approves” series of articles, highlighting products that customers pick over others, […]
The life insurance industry has been slow to adapt for the most part. For a short period of time, the digital age seemed to pass it right by. The good news, however is that a few companies are leading the way towards change with an electronic application process. This helps save a lot of time […]
Life insurance is usually a product that you don’t get for yourself, but for those around you to continue the life you’ve provided if something was to happen to you. However, that doesn’t mean that life insurance can’t offer living benefits. Most life insurance policies have add on’s known as riders which allow you to […]
If you are looking for some information about Sagicor, then you have come to the right place! Sagicor is one of the top ‘A’ rated companies out there and has a good set of products. As an independent online life insurance agency, we get the opportunity to shop around with many companies. Being a consumer […]
Most people boil life insurance down to two products, term life and whole life. But yet, there are many more options out there on the market and you can customize your life insurance policy any way you possibly imagine. There are permanent life insurance products out there that aren’t as expensive as whole life and don’t […]
Getting a life insurance policy is usually a selfless act. We get a policy and pay for it, simply for the fact that we want those we care about to go on living a life we are able provide for them. Essentially, it’s continuing to take care of your financial responsibilities beyond the grave. However, […]
I’m sure if you’re reading this then you already know what a Cerebral Aneurysm is, so I’ll spare you the definition and statistics unlike most articles you’ll find online. What you want to know is if you can get life insurance coverage and at what rate. The good news is you can get life insurance […]
Life insurance companies like to avoid risk. So whether you’re a recovering alcoholic or a problem drinker, this will affect your life insurance rates. The good news is, you can get life insurance with history of alcohol abuse and sometimes at decent rates depending on the criteria life insurance companies use to determine your rates. […]
When you have cancer it’s difficult to imagine that life insurance companies will offer you coverage. There isn’t much good news that can happen when you’ve been diagnosed with cancer but I am here to change that. If you’ve been diagnosed with Leukemia, it is possible to get coverage. However, it will depend on a […]
I’ll spare you the definition of Atrial Fibrillation and statistics about it as I’m sure you’re fully aware of what it is if you’ve arrived here. All you want to know is can you get life insurance with Atrial Fibrillation and I’m here to tell you that YES you can, but, it depends. Let’s break down different scenarios […]
For you “putting out fires” is no metaphor, you do it for a living and know that there are many dangers associated with it. Most people assume that because of this danger, the life insurance companies will consider it a high risk and rate you accordingly. The good news is, unlike most hazardous occupations, firefighters […]
If you have a bank account with Chase then you probably know they are a great bank. Now you’re thinking life insurance and wondering if they offer it. After all, it would be quite convenient to get your coverage through the same place you bank wouldn’t it? I agree, except I ran into a dead […]
Anemia can come in different forms which means different outcomes for your life insurance. Life insurance companies base your qualifications on the type of risk you pose, so the type of anemia you have will influence the outcome. The good news is you can get life insurance so let’s talk about getting coverage. In summary, […]
The variety of life insurance products can often leave you, the consumer, a little confused. Often times you just want to make sure your family is protected in the case of your passing. All you want to know is what you pay every month and make sure it’s the same rate with no surprises. Is […]
“Are you in good hands?” We’ve all heard that catch phrase and we all think of the same company when we hear it due to their strong branding efforts. Allstate Life Insurance Company is a company established in 1931 and is predominantly known for their auto insurance amongst other products. This is a huge company […]
