Pre-Existing Conditions and Other Risks
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Life Insurance with Left Ventricular Hypertrophy (Enlarged Heart)
When you are searching for life insurance, there are a lot of different factors you’ll need to consider. If you have a pre-existing condition like an enlarged heart, then you’re going to face some unique challenges. What Is Left Ventricular Hypertrophy? Left Ventricular Hypertrophy is defined as a thickening of the ventricular muscle or enlarged…
What Are Life Insurance Classifications?
Perhaps you’ve heard of terms like “Preferred” or “Standard” as it applies to life insurance ratings and have scratched your head. What do these ratings mean, and more importantly, how do they affect you? Stick with me for a few minutes and we’ll answer these questions and more. Life Insurance Ratings and Premiums The reason…
Life Insurance with Polycythemia
I hadn’t seen this one before. A potential client called recently asking if he could purchase a guaranteed universal life insurance policy with $100,000 face value at the age of 75. So far, no problem. Life Insurance Approval with Polycythemia However, I then asked him some questions about his medical history and found that he…
Affordable Life Insurance For Diabetics
Understanding and finding affordable life insurance can be a juggernaut. When looking at all the types of insurance available, life insurance is probably the least appealing to discuss. No one likes to think about their mortality, but having a plan for your loved ones in the event of your passing, can give both you and…
Life Insurance for Cancer Patients and Survivors
Is it possible to get life insurance for cancer patients and survivors? If you’re in this group—which actually includes millions of people—you might think you can’t get affordable life insurance. But, the life insurance industry has been evolving in recent years, especially in response to advances in medical technology and the increasingly longer lifespans being…
Life Insurance with Prostate Cancer
If you’ve experienced a bout with prostate cancer, you may be concerned that you’ll be unable to get life insurance. But, that generally won’t be the case. The life insurance industry has expanded its reach in recent years and now offers coverage in a way they never did before to those who experience serious health…
Life Insurance for Police Officers
If you’re a police officer with a spouse and/or a family, you’ve probably given some serious thought to the amount of life insurance you have. After all, the occupation you work in is more hazardous than most. And for that reason, you probably also wondered what the complications of purchasing life insurance for police officers…
Life Insurance for Firefighters
If you’re a firefighter, you may be wondering if it’s possible to get life insurance for firefighters. After all, firefighting is considered a more dangerous occupation than most. While that’s certainly true, it will not prevent you from purchasing private life insurance. Life insurance companies underwrite policies for firefighters all the time, and the differences…
Life Insurance for Construction Workers
Did you know that your occupation could affect the premiums you pay for life insurance? And, one of the highest-risk occupations is construction worker. That’s why life insurance for construction workers requires special handling. It’s not that you’ll be turned down for a policy, but rather that you’ll likely pay a higher premium than someone…
Life Insurance for Pilots
If you are a pilot and you’ve never applied for life insurance, you may not be aware that your piloting activities can have a substantial impact on your application for coverage. If you have applied for life insurance for pilots in the past, then you know exactly what I’m talking about. It’s not whether insurance…