COPD and Life Insurance- How Do They Connect?

COPD (Chronic Obstructive Pulmonary Disease) is a definite tick on an underwriter’s list when you apply for life insurance, but it doesn’t have to take you out of the conversation. As with many other severe illnesses, your life insurance experience will depend solely on how your illness is being treated and coped with. According to…
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Life Insurance for Marijuana Users

Life Insurance For Marijuana Users Now that marijuana has been decriminalized and legalized for use in so many  places worldwide and in the U.S (for recreational use in 11 states, and for medical use in 33 states as of January 1, 2020), life insurance policies have been changing along with the times. Those suffering from…
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“High Risk” Life Insurance

High Risk Life Insurance Cases So what is it and why is it important?  Many Americans who apply for some sort of insurance whether it be life, health or disability may find themselves being underwritten. An underwriter is in general someone who calculates the risk of an individual based on their age, occupation, health status…
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What type of life insurance do I need?

With all the different types of life insurance policies, selecting the right one can seem daunting, but in reality, the clearer your wants and needs are, the easier it will be to select the right policy. Basically, a term life insurance policy is purely for death benefits and is relatively inexpensive. Whole life can be…
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Hypertension (High Blood Pressure)

Without the proper direction, you may consider life insurance and high blood pressure to be just like oil and water — they just can’t seem to mix! To understand why, let’s break down what the condition is, and how it affects your search for the right life insurance policy. What is Hypertension/High Blood Pressure? Stage…
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Beneficiary

Naming a Beneficiary is as equally important.

Any type of financial product such as Life insurance, IRA’s, 401(k)’s, etc there is a section of that application asking to name a Primary Beneficiary and in most cases a Contingent Beneficiary as well.  This ensures that the company knows who to contact to deliver the proceeds when the insured passes away. In the case…
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One Touch Diabetes

Insurance for Diabetics

Today there are more than 100 million Americans that are living with some form of Diabetes or Pre-Diabetes. Personally, we all know someone living who is affected with the disease and sometimes this could be a struggle for some. The good news is that there are Americans who have control over managing their diabetes by…
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What is Guranteed Issue/Acceptance?

Let’s talk about Guaranteed acceptance and what does it really mean.  You are sitting there watching your morning or afternoon show and you are interrupted by a voice on the TV or radio that may say something along the lines of…”Have you’ve been turned down for Life Insurance Recently”? or “Did you hear about the…
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Why it’s important to be open and honest when completing an application for life insurance.

Why it’s important to be open and honest when completing an application for life insurance.        Over my years of working with clients whom I had the privilege of setting the foundation of protecting their income and assets by using life insurance, it was always a given that they were comfortable with me…
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