Life insurance is one of the most important purchases that you’ll ever make for the future of your loved ones. Nobody wants to think about his or her own death, but it’s vital that you plan for the worst. Buying life insurance doesn’t have to be a long and difficult process.

If you have an enlarged heart due to left ventricular hypertrophy, it’s going to be an issue for life insurance. Insurers will see this condition and worry that it could lead to more serious heart problems in the future. You may still be able to get insurance coverage though, especially if you put together a well-planned application. If you’ve ever been told that you can’t get life insurance because of your condition, or you assume that a life insurance policy is going to be too expensive, you couldn’t be further from the truth. Regardless of your health, we can give you several options for affordable life insurance coverage.

To help you get ready, we’ve put together a guide to the underwriting standards for someone with an enlarged heart due to left ventricular hypertrophy. [click to continue…]

{ 0 comments }

Types of Life Insurance ProductsLife insurance is a more flexible product than most people think. On the market today, there is a variety of insurance policy designs that match up to very different needs. All types of life insurance have the same basic setup; you pay monthly premiums and if you die, your heirs receive a death benefit.

However, they are quite different in terms of how long they last, how much they cost, and whether they provide other benefits on top of the death benefit. Here is a complete comparison of the main types of life insurance so you can choose the best fit for your situation.

It’s vital that you understand all of the life insurance options that you can choose from. In this article, we are going to give a basic description of each kind of life insurance plan. [click to continue…]

{ 0 comments }

Term Life Insurance for Marijuana Users

Prior to becoming a financial advisor and offering life insurance, I had to admit I never would have thought that a marijuana user would get approved for term life insurance coverage. After being in the business for several years and running several quotes, I quickly realized that this was not the case. In fact, there […]

Read the full article →

Life Insurance with Aneurisms and Vascular Lesions on the Brain

If you have or had vascular lesions on your brain, it’s going to be a concern for life insurance companies. They will worry that the lesions could lead to other more serious problems like an aneurism, a stroke or seizures. However, in many cases, vascular lesions don’t cause any long-term health problems. As a result, […]

Read the full article →

Life Insurance with Autism or Asperger’s

Life insurance is one of the most important purchases that you’ll ever make for your loved ones. If something tragic were to happen to you, your family would be left with all of your debts and final expenses. If they were responsible for all of your bills, they could be left with a mountain of […]

Read the full article →

Life Insurance with Hepatitis

In order to be eligible for individual life insurance, the burden is on you to prove that you are healthy enough. This analysis is performed by an insurance agency and is referred to in the industry as “medical underwriting”. When you apply for life insurance, the company is going to look at dozens of different […]

Read the full article →

How to Get Direct Term Life Insurance

Life insurance is important when you have people who depend on your paycheck. If you were to die, those people closest to you would be left with a massive financial burden. Not only are they unable to pay for the regular bills, they are also unable to pay for a funeral. This often leads families […]

Read the full article →

Life Insurance after a Stroke

After a stroke, it becomes more difficult to get life insurance. A stroke is a serious medical event and the chance for more issues afterwards is so high, life insurance companies need to be careful. However, even though a stroke is quite serious, it is still possible for many applicants to still get life insurance. […]

Read the full article →

Life Insurance Rates for Scuba Divers

One of the biggest misconceptions about buying life insurance, if you are a scuba diver, is that you will be classified as “High Risk“. This is simply not true. When you apply for life insurance coverage, the company is going to look at dozens of different factors to calculate how much risk you are to insurance. They […]

Read the full article →

Life Insurance with Endometrial (Uterine) Cancer

If you’ve had endometrial cancer in the past, it’s going to make it more difficult for you to qualify for life insurance. However, if you’ve fully recovered from your cancer treatments, you may be able to qualify for a policy at a decent rating. To help you determine whether you would qualify and at what […]

Read the full article →