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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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“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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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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What about Mortgage Protection Insurance?

Mortgage Protection Insurance Congratulations!!!      So, you just purchased your home and you’ve designed and furnished it to your liking thus far.  Prior to buying in the area you were driving through the neighborhood and you noticed a couple of things that stood out to you.  In these well-established neighborhoods with nicely manicured yards…
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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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Do you have Employer Benefits? Read below.

So, let’s talk about this for a few moments.  You landed that almost perfect job you’ve dreamed of and the income/salary is what YOU think you’re worth.  You were told that you have a “Great Benefits package” to include the following: Employer-based paid Medical, Life insurance, Dental, Vision, and other provided benefits like “PTO” and…
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