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How Drug Use Affects Life Insurance Approval
The effects of drug use are devastating on the human body. As we’ve seen in so many cases, prolonged drug use can lead to a severely decreased life expectancy. So you won’t be surprised to learn that all life insurance applications include some type of question about the applicant’s use or abuse of alcohol, as well…
Find Cheap Life Insurance at Age 63, 64…Even 65! Last Call for 25 Year Term
Are you looking for life insurance at age 63, 64 or even 65?! If so, this is a pivotal time in your life when it comes to coverage. Birthdays are important mile markers when it comes to purchasing life insurance. That’s why you should always consult an independent agent to go through all of your options before…
Term vs. Whole Life Insurance
It’s a great debate among life insurance professionals, consumers, and financial planners: Term vs. Whole Life Insurance, which is best? Term life insurance offers low cost protection with guaranteed level premiums for a fixed duration, typically 10, 15, 20, or 30 years. Whole life insurance offers lifetime guaranteed coverage with the additional benefit of accumulating…
Learn How to Be Approved for Life Insurance with Crohn’s Disease
Yes, you CAN get life insurance if you have Crohn’s disease. We’ve gotten dozens approved. There is both good news and, I’m afraid, some bad news. Here’s how it works. The Scoop on Life Insurance and Crohn’s Disease Let me clear the air right off the bat. Quite a few life insurance companies won’t even…
Life Insurance for the Hearing Impaired – Pinpointing the Best Rates
Does life insurance cost more for the hearing impaired? Hearing loss is much more prevalent in our society than you might think. A study carried out by John Hopkins in 2011 revealed that almost 20% of Americans today who are 12 years of age and older have a hearing impairment. There are very strict Federal…
7 Reasons to Buy Life Insurance (Besides Replacing Income)
One of the most common reasons to buy life insurance is to replace income if a spouse dies. … That’s a great reason and one that makes a lot of sense if your family depends on your income. But there are other times when life insurance can be a smart thing to have. For business…
Largest Life Insurance Policies Ever Sold
In my previous post, I outlined 3 instances when paying $100,000 or more for life insurance is a no brainer. … but the examples I used in that post were “sample cases”. After sharing the post, many of my friends and family asked if people actually spend that sort of money on life insurance. I can…
3 Creative Ways to Gift Life Insurance to Charity
Do you have a favorite cause that you feel passionate about? Would you like to help them out even more so they can continue their good work? Perhaps you’ve considered ways to gift life insurance to charity by donating some or all of your life insurance policy, but didn’t know how to get started. Well, we…
10 of the Most Senseless Deaths of All Time
When you think of sudden or accidental death, you probably think of car accidents or heart attacks. You probably don’t think of meeting your maker due to using your iPhone, playing music, or having a piece of fruit dropped on you. We were astounded by the vast array of ways in which people lose their…
Life Insurance Weight Charts: Lose Weight & Save on Premiums
Did you know your carrier has a life insurance weight chart? Yep and they’re not all the same. Each life insurance company has its own “build” chart that provides critical information about the maximum height and weight combinations required to qualify for specific rating classes. Now if you’re aiming to get the best possible premiums, your height…