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PostThere are a few misguided judgments about marijuana use and life insurance coverage. Many people believe that if you use marijuana – you cannot get approved for life insurance or you must pay a smoker rate. This is not true. We can help you get approved for life insurance if you use marijuana, at the...
There are a few misguided judgments about marijuana use and ...
PostImagine, if you will, a situation in which the reality was much different than the perception. Take the movie, Beauty and the Beast, for example. A tale as old as time. Here, we have a ghastly beast who is feared by all. The truth is, the beast is actually a rich prince who needs to open...
Imagine, if you will, a situation in which the reality was m...
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PostDiabetes is incredibly common in the United States. Consider the statistics: 30.3 million Americans, or 9.4% of the population, have diabetes. Approximately 1.25 million American children and adults have type 1 diabetes. – American Diabetes Association While advances in treatment and prevention continue, those of us with the medical condition can attest that it’s difficult...
Diabetes is incredibly common in the United States. Consider...
PostIt’s also incredibly common to apply for life insurance while taking an antidepressant. Often, those applications are approved. Taking an antidepressant can directly impact the outcome of your life insurance application. It’s not just the medication itself, though. Underwriters (their job is to evaluate life insurance applications) are interested in the big picture. Here’s what...
It’s also incredibly common to apply for life insuranc...
PostAre you one of the 26 Million Americans at risk for heart disease, heart attack or stroke? Chances are then you are on cholesterol medication, and you’re in good company. There are varying estimates. However, according to the American Heart Association, between 20 million and 39 million people take it too. In this article, after...
Are you one of the 26 Million Americans at risk for heart di...
PostLyme disease, or borreliosis, is the most common tick-borne infectious disease in the United States. What you can do: Understanding Lyme disease, and how a life insurance carrier thinks about Lyme disease, is essential to making a wise decision when purchasing life insurance. Let’s get started: Lyme Disease Overview Life Insurance With Lyme Disease Apply...
Lyme disease, or borreliosis, is the most common tick-borne ...
PostLife insurance for high blood pressure can be tricky business, especially when you start stacking one pill on top of another. If you take multiple medications for hypertension, what kind of life insurance rates can you expect? Will you be denied outright? The good news: There are so many people affected by high blood pressure,...
Life insurance for high blood pressure can be tricky busines...
PostTrying to find out how to get life insurance with a medical condition? You’ve come to the right place. It’s easy to secure life insurance when you’re healthy and young. However, it gets a bit more complicated buying life insurance with medical problems. It doesn’t have to be complicated though. Here are a few basic...
Trying to find out how to get life insurance with a medical ...
PostRegardless of what others might say, it IS possible to get affordable life insurance coverage despite your elevated blood pressure levels. but a reality check… You might think you can just apply to lots of companies and pick the lowest rates, but it isn’t that easy. Each insurance carrier has their own underwriting requirements and...
Regardless of what others might say, it IS possible to get a...
PostFinding a life insurance policy to fit your needs is a daunting enough task without an autoimmune disease. It is possible, there are low-cost insurance policies available to you. Our mission is to help you get approved for life insurance at the lowest possible cost. You are not alone in your search for life insurance....
Finding a life insurance policy to fit your needs is a daunt...
PostOnce you’ve experienced a stroke, it’s common to see the world through a different lens. By nature, we ignore signs of our mortality, until we experience a life-threatening ordeal like a stroke. After such an ordeal, it makes sense to consider life insurance as a way to protect your family. However, after a stroke, your...
Once you’ve experienced a stroke, it’s common to see the...
PostIf you’ll recall from an earlier article, your heart functions due to electrical impulses, which tell it when to contract. These impulses begin at the sino-atrial (SA) node and are conducted to other areas of the heart in specifically timed intervals. When these passages are blocked or are interrupted, heartbeat abnormalities occur. Not only can...
If you’ll recall from an earlier article, your heart funct...
PostBefore we discuss today’s heart health topic any further, we want to address something for those of you who read our blog. The common notion is that any heart disease will prevent you from obtaining life insurance. This simply isn’t true. We write these posts to educate you on what it is that agents and...
Before we discuss today’s heart health topic any further, ...
PostThink of your heart as an engine running a machine. All of the parts of the engine need to be functioning properly in order for the machine to run. When your heart isn’t firing on all cylinders, so to speak, your blood cannot carry oxygen to the 75 trillion cells in your body, and your...
Think of your heart as an engine running a machine. All of t...
PostBy now, you’ve probably detected a pattern with underwriting life insurance for any high risk disease: each situation is looked at individually, meaning not all risks are created equal. For many of our clients, this is incredibly frustrating. Perhaps the biggest frustration our clients have occurs when they find a less expensive life insurance policy...
By now, you’ve probably detected a pattern with underwriti...
PostOne of the most important parts of the human body is the heart. This muscular organ is responsible for pumping blood, which carries oxygen and nutrients to your body, while simultaneously carrying away waste. How Your Heart Health Affects Life Insurance Unfortunately, for playing such an important role, heart health is often neglected. In fact,...
One of the most important parts of the human body is the hea...
PostToday’s topic in life insurance is going to focus on the effects of drug use on your life insurance premium. Drug use is a difficult one for underwriters, as it has many definitions and the severity can range from an occasional aspirin for a headache to abuse of prescription pills to severe and dangerous addiction...
Today’s topic in life insurance is going to focus on the e...
PostWhat would happen if one day you woke up and forgot how to tie your shoes? What if you forgot your route to work, or your best friend from college, or the faces of those you love? These hypothetical scenarios are scary realities for roughly 5.4 million Americans suffering from Alzheimer’s and dementia. If you...
What would happen if one day you woke up and forgot how to t...
PostMany of our clients come to us concerned that certain medical issues will mean they cannot find life insurance. This is partially why we research and write these articles; to clear any common misconceptions about how underwriters and insurers view “high risk” clients, and how your risks might impact what you pay for coverage. How...
Many of our clients come to us concerned that certain medica...
PostMore than 3 million Americans are diagnosed with Chronic Obstructive Pulmonary Disease (COPD) every year. This degenerative diseases of the lungs are incurable, and is the third leading cause of death in the United States, according to the American Lung Association. Sometimes referred to as Chronic Obstructive Lung Disease (COLD), COPD can be caused by...
More than 3 million Americans are diagnosed with Chronic Obs...
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