With conflict and violence around the world, I often get asked if Life Insurance policies cover you in an act of war, or in an act of terrorism. I made this video with some information on Life Insurance Exclusions.If you don't feel like reading this post, go on down to the end and watch the […]
Life insurance companies are very interested in your job. When you apply for coverage, it's their mission to determine how much risk that you are for insurance coverage. Depending on your job, they might view you as a high-risk applicant. If that's the case, then you can expect to pay a drastically higher rate for […]
When you apply for life insurance protection, they are going to look at dozens of different factors to determine how much they are going to pay for insurance protection. One obvious factor is your health or any pre-existing health conditions that you have. If you've been diagnosed with cancer, you might assume that you can't […]
There are over 4 million American’s who suffer from Sjogren’s syndrome. 9 out of 10 of those who suffer are women, and Sjorgen’s is 2nd most common autoimmune rheumatic disease. If you suffer from Sjogren’s and are looking for life insurance the good news is that you can get approved for a policy.
Traditional medical life insurance policies require a detailed medical history and a medical exam by an insurance company-approved physician. Simplified-issue policies eliminate this step of the application process, but they will still require certain medical information from the applicant. A guaranteed-issue policy will not require any medical information from the applicant. Simplified- and guaranteed-issue policies […]
How do you buy an affordable term life insurance policy that meets your needs? The pricing of your policy is based on the amount insured and any riders it includes. Choosing the right insurance policy comes down to deciding on these key features and then shopping for the best rate. What’s the Difference Between Term […]
It is easy to see why no medical exam life insurance for seniors is a very appealing option. Life insurance provides the financial security your family needs if something tragic were to happen. Many families are left with debt that they cannot afford to pay. Having life insurance will pay for all the final expenses […]
If you are looking for the best term life insurance rates for cigar smokers, this guide will provide you with the underwriting guidelines of some of the top term life insurance companies and how to get the best rates. The good news is that you can get non-tobacco rates if you only smoke cigars and […]
Over 20 million adult Americans use marijuana at least once per year. If you have found this blog post, perhaps you are one of those Americans who uses marijuana either occasionally or frequently, and would like to know how this will affect you as far as life insurance rates go. The good news is that […]
If you have been declined for life insurance due to Hepatitis C, it is very likely that that you haven’t applied with the right life insurance company. It isn't your fault, most likely the agent you applied with was not knowledgeable on knowing which life insurance company to apply with. There are some life insurance companies that only want […]