All Posts By NextGen Life Insurance and Clint Haynes, CFP
Clint Haynes is a Certified Financial Planner® (CFP) and Licensed Insurance Agent. Clint is also founder of both NextGen Wealth and NextGen Life Insurance. He has a passion for helping people make the right choices when it comes to choosing the best life insurance policy.

How To Lower Your Blood Pressure for a Life Insurance Exam

Our medical history plays a huge part in getting approved for life insurance. Unfortunately, not all of our medical history is under our own control. Some of it is due to our genetic makeup.  High blood pressure can be a part of that genetic makeup; it tends to run in families and is more likely…
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Life Insurance Approval with a Defibrillator

Heart conditions, no matter how minor, will have a profound impact on your life insurance approval odds. Near the top of the list, irregular heartbeats are one of the most delicate conditions for insurers to consider.  And while those with pacemakers feel the weight of their condition in their monthly premiums, individuals with defibrillators face…
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High-Risk Life Insurance for High-Risk Individuals

Have you ever filled out information for life insurance only to find the premium is larger than the quote? Well, your insurance company may consider you a high-risk individual.  Insurance companies ask you numerous questions about your health and lifestyle. This is all to determine whether you require high-risk life insurance.  Commonly, a higher-priced insurance…
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Understanding Whole Life Insurance Rates

Life insurance is a confusing investment, and it can be hard to see beyond the price when shopping policies. Term policies certainly help the budget-conscious, but the substantial benefits of permanent policies should be worth considering, even if you are young. Whole life insurance rates may be expensive, but the peace of mind these plans…
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Declined for Life Insurance – Now What?

So you were declined for life insurance – now what? Here we will cover your options and how to get a policy. Declined for Life Insurance – Now What? Everyone knows the importance of life insurance. Without it, there’s a very real chance that you could pass and leave your loved ones in dire financial…
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How Your Family History CAN Affect You Getting Life Insurance

Life insurance providers assume plenty of risk in offering affordable policies, so they need precision in their decision-making. Insurers perform exhaustive reviews of their clients’ health backgrounds, considering factors such as age, lifestyle, health-related habits, and gender.  With more information, they make better approval decisions, fine-tune coverage limits and set appropriate premiums, reducing loss while…
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What is Waiver of Premium Rider on Life Insurance Policy?

Wondering what is waiver of premium rider on life insurance policy? Here we cover exactly what you need to know and if it’s right for you. Protecting your loved ones should be a top priority. This is why securing the right coverage is important when having family members who rely on your income. Life insurance…
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Can You Get Life Insurance on Someone Else?

You see it in detective shows all the time: when looking into the motives of a murder, it’s discovered that the victim’s spouse has taken out a secret life insurance policy on the deceased, and now stands to collect a sizable sum of money. That makes a great story for a show like this, but…
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Life Insurance with Multiple Sclerosis

If you are one of the millions of people worldwide who are living with multiple sclerosis, you might be concerned about your eligibility for purchasing life insurance. While it is often difficult to shop for life insurance when you have a preexisting condition, living with multiple sclerosis doesn’t automatically bar you from obtaining life insurance.…
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