Getting life insurance with diabetes can be frustrating at times whether you got declined for coverage before or just don’t know the outcome if you move forward. You are not alone since there is an estimated 23.6 million Americans diagnosed with diabetes. Life insurance is a very important investment because you want to make sure […]
Life Insurance is changing. Buying life insurance face to face is no longer necessary. Everything can be done online and over the phone because customers are seeking pure protection with simplicity, speed and convenience. Captive agents are becoming less relevant and life insurance call centers out there are starting to offer “free life insurance quotes […]
Life Insurance is the absolute best way to provide a source of funds upon unexpected death for variety of different situations. There are many different reasons to buy life insurance coverage but let’s go through some of the general 5 that entice people to get covered. 1. Family Protection Whether you are single or married […]
If you are here you are probably asking yourself, “can I get life insurance with a chronic illness?” Well, the odds are on your side. Thanks to improvements in medical treatment many individuals can live long and happy lives by managing their chronic illness. Luckily many life insurance companies recognize that as well. When it […]
There is a huge legislation change going around the country to legalize marijuana and it is a matter of time until it becomes as legal as alcohol and tobacco are. If you use marijuana don’t be alarmed as you can easily obtain a life insurance policy. The objective is of course to get non-smoker rates […]
Term life insurance is the most affordable type of life insurance protection but it’s rates are only locked in for a certain period of time. Typically term life insurance can range from a one year renewable policy to a 10 year, 20 year or a even 35 year term length which guarantees the premium to […]
Life insurance is a very touchy subject and most people overlook the conversation because they are afraid of talking about death. However, you can’t run from it and you don’t want to leave your family with your debt and baggage so that’s probably why you are here looking to get life insurance. We have many […]
So during a short lunch break, we ended up watching a Moto GP race that took place in 2009 where Rossi and Lorenzo had an epic battle for the first place. Whether you are a fan of motorsports or not I highly recommend watching this showdown as it demonstrates skill, determination, and human will. After […]
Coming from a family with more than a few pilots both in the military and commercial sectors, I didn’t like the idea of how hard it is getting life insurance if you’re a pilot. From my experience pilots are some of the most healthy and highly disciplined individuals who actually tend to live long healthy lives. […]
Every year I reach out to my existing clients to do an annual review, this is when we see if the plan they bought still fits their needs. This year I was going to throw myself into the mix by doing a thorough review of my own policy. The results were that my current […]
Making the purchase of term life insurance is a wise decision if you want to protect your family in the future. While term life insurance is one of the most basic types of coverage available, you still want to put some careful thought into the type of policy you select. There are different types of […]
What’s the good news about guaranteed issue? Well, just like it’s name implies, if you can answer a few baseline questions correctly, you’re guaranteed to get life insurance! Talk about removing all of the guesswork out of the equation. With guaranteed issue you can focus on getting your policy quickly and without the headache of […]
Ready to jump on the term life insurance train? There are reasons why it’s the most popular form of life insurance out there: it’s easy to understand, it’s affordable, and it’s the best type of protection for you and your family. Let’s take a look at some common features of term life insurance and the […]
Even though life insurance is a critical component of financial planning for most people, young adults often tend to neglect this purchase and figure that they will purchase it later when there are clear needs for income replacement. For example, many individuals start to consider life insurance when they get married or at the birth of […]
It sounds too good to be true, right? Nobody really wants to spend an entire evening talking about their own mortality with a life insurance agent at their kitchen table. That’s why instant issue life insurance is a great opportunity to get the coverage you need without any of the hassles. Take a look at […]
So many people put off the decision about purchasing life insurance either because they don’t believe the worst could happen to them or because they don’t know enough about the incredible value that life insurance provides. Now, however, is the best time to purchase life insurance. This is not a decision where you should procrastinate […]
There’s a reason why life insurance seems so expensive when you’re applying for the first time at an older age: companies use mortality tables to determine the cost of premiums and older individuals represent a higher risk to the life insurance carrier. Being smart and taking a look at your life insurance options earlier rather […]
The vast majority of life insurance carriers will require a paramedical exam as part of the application process. While this certainly isn’t something you should be scared of, understanding the life insurance medical exam in advance and preparing with a few simple tips might relieve your anxiety and help make the exam fly by more […]
Life insurance is absolutely vital for individuals with high net worth. Not only is it a great way to protect your beneficiaries in the future, but life insurance also offers a swiss army knife of alternative uses. Whether you’re interested in using it for tax advantages, an additional investment vehicle or simply leverage your cash […]
Finding out how much your life insurance might cost is an important calculation because you want to be sure that you have enough coverage to protect your family in the event that something happens to you. You also want to be sure that you have selected a policy from a quality company at a premium […]
Are you a tobacco chewer? If you’re thinking about life insurance and are ready to take the next step, it’s likely that you have uncovered how expensive life insurance can be if you are given a smoker classification. Maybe you don’t consider yourself a smoker, and maybe you don’t feel like it’s fair that you […]
You realized that it was time to secure a life insurance policy or update an existing one but now you are either scratching your head or are very angry with the fact that you’ll be paying a fortune for life insurance. This may be a for a simple fact that most cigar smokers get lumped […]
Whether you just want the ease of finding your ideal policy online or you don’t want to deal with the in-person process, it’s understandable why you would want to buy your life insurance online. Securing a life insurance policy online has never been easier and more companies are offering digital ways of getting life insurance. […]
Life insurance generally has a bad reputation as being confusing but it’s actually a set of innovative products customized for your needs. Life insurance is a crucial component of any financial plan, and it’s simply prudent to explore your life insurance coverage options earlier rather than later. Protection First and foremost, life insurance is a […]
