Life insurance

“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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Myths of Life Insurance

Fact or Fiction Full disclaimer here… I am not a Financial Planner, Advisor or CPA please seek out the appropriate professionals as it relates to your individual situation.  There has been some talk over the years and as of this day as it relates to Life Insurance, that there is still question and uncertainty of who…
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3 Reasons for a No Exam Life Policy

What is a NO-Exam Life insurance policy?  It suggest exactly that…No Exam!!! When applying for a such a policy Sometimes called Simplified Issue, you can skip the necessary para-med exam that normally comes along with obtaining coverage.  There are certain criteria you have to meet to even get approved. Insurance carriers have found a way…
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Life Insurance for Felons

Have you been denied Life Insurance coverage because of a Felony? Life happens to all of us whether it’s good, bad and/or indifferent.  Let’s keep it REAL shall we?  It sometimes comes down to the decisions and actions that we make hence these are the consequences that determine what the outcome will be.   I would…
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What are the implications of Living Benefits on permanent life insurance policies?

The Living Benefits riders are paid out early to policy holders who have a terminal, chronic or critical illness. (See our blog on Term Life Insurance and Living Benefits). This allows financial comfort to the policy holder and family. It helps them to focus on the emotional and physical aspects of the situation, rather than…
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