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 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…
Read More

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…
Read More

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…
Read More

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.…
Read More

Life Insurance for Cancer Survivors

If you’re a cancer survivor, finding an affordable life insurance plan can be challenging. Here are tips to help you through the process. Receiving a cancer diagnosis is stressful, and it can sometimes be traumatic. You might feel like you’re living in a nightmare you can’t wake up from. The bad news means intensive medical…
Read More

Nationwide Life Insurance Review

From humble beginnings as a small Ohio-based mutual company, Nationwide has evolved over its 90-year history to become a premier national insurance carrier. Originally selling auto insurance exclusively, they expanded their offerings over time to include home and life insurance options.  Nationwide now stands as a top-tier option for consumers desiring a one-stop-shop for all…
Read More

Reasons For Higher Life Insurance Premiums

There are reasons for and causes of higher life insurance premiums. We will walk you through them and show you how to lower your payments. There are more than a handful of reasons why insurance premiums for identical plans may be higher for some individuals than others. However, before discussing the different factors that affect…
Read More

What is a Second-to-Die Life Insurance Policy?

A second-to-die life plan can solve several problems in estate planning. Learn what is a second-to-die life insurance policy and how it works. Married couples commonly choose a single coverage plan to protect their loved ones when they die. Choosing from individual or joint plans, this primary insurance is expected to cover any ensuing financial…
Read More

What is Business Life Insurance?

Life insurance is purchased primarily as a means to keep your immediate family safe in the event of your death. However, as a business owner, you take on a whole new group of dependents outside of your family. Employees, stakeholders, and operations can be subject to serious upheaval if you pass away.  When your business…
Read More