What is No Exam Life Insurance?

When researching for the best type of life insurance policy to purchase, have you come across terms like “fully underwritten”, “medical exam”, “guaranteed issue”, “no exam life insurance” and maybe even “simplified issue”? Confused and not really sure what they mean and how they affect which life insurance policy is right for you? One thing…
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What is Universal Life Insurance?

What is Universal Life Insurance?

There’s no “one size fits all” solution when it comes to life insurance. Some prefer the less expensive and straightforward appeal of term coverage. Others utilize their policies both as lifetime guaranteed protection and see the cash value as an additional way of investing and saving money. If you think like the latter and see…
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Whole Life Versus Universal Life Insurance

Whole Life Versus Universal Life Insurance

Purchasing life insurance is an important step towards safeguarding your family’s long term financial security. Once you have decided to purchase a life insurance policy, it’s now time to choose the right plan for your financial situation. In this piece, we look at whole life insurance versus. The first decision that you will need to…
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Can I get life insurance if I have a heart condition?

Can I Get Life Insurance If I Have a Heart Condition?

Have you recently suffered a heart attack or been diagnosed with a heart condition? If so, you may think that getting a life insurance policy when you have a heart condition is virtually impossible. Even with the potential unstableness of your ticker, you would be surprised at the options that are available (even if you…
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Can I get Life Insurance if I have a Pacemaker?

Can I get Life Insurance if I have a Pacemaker?

To get straight to the point, the answer is yes you can get life insurance if you have a pacemaker. But, there’s much more to the story, so please keep reading. If you look back just a few decades, the response to this question was a “hard” no. However, technology has improved to the degree…
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How do prescription medications affect getting life insurance?

How do prescription medications affect getting life insurance?

You’ve done all the work – figured out how much life insurance you need, the type of product that best fits your situation, and you know what to do once the policy is issued. But what about the in-between; the part that happens once you zero in on the policy type and amount, and before…
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Whole Life Insurance

What is Whole Life Insurance?

In 2017, LIMRA Market Research revealed that 61% of new life insurance policies were Permanent while Term made up the rest at 39%. This was rather surprising to some considering people have been favoring Term life insurance over Permanent for the last few decades, mainly because it’s cheaper. So what could have swayed people’s decisions…
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Getting Life Insurance with Diabetes

Getting Life Insurance with Diabetes

The American Diabetes Association revealed that in 2015, approximately 30.3 million Americans (9.4% of the total population), had diabetes. Each year, an additional 1.5 million individuals are diagnosed with it. One of the most oft-asked question among diabetics is this: Can I get life insurance if I have diabetes? Here’s the short answer: Yes, you…
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What Exactly is a Free Life Insurance Quote?

Getting a free life insurance quote is no different from getting a sample estimate for any other type of purchase. Whether it’s a buying a new car or house, hiring a professional, or shopping for a new gadget, getting a quote is important because it allows you to gauge an item or service’s worth in…
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