(888) 78dd8-1052

Speak with a Licensed Adviser

high net worth life insurance

Post image for How To Ace Your Medical Exam & Save Money!

Tips For The Life Insurance Blood Test As part of the application process, most life insurers are going to require a brief health screening.  The health screening, also referred to a a praamed exam, is done in the convenience of your home, office or a health facility.  It takes about 30 minutes and involves a certified health professional measuring your height, weight and taking a small blood and urine sample.  For some applicants, a resting EKG will be done as well. Follow the tips to ace your exam & save money! 1. Take your medical exam in the morning, if […]

Post image for Can I get life insurance if I had coronary artery disease, a heart attack, angioplasty and multiple stents?

Yes!  You may be still be eligible for life insurance even if you have had coronary artery disease, (CAD) heart attack, angioplasty, and stents in the past.  Most likely you’re going to be table rated, even though you may be in better health now then you were when you had the heart attack.  The rate that the life insurance company is going offer with these health concerns will depend on many factors including, but not limited to, the number of vessels affected by the coronary artery disease and the actual vessel affected.  For example, a recent client had these health […]

stehescope dollar sign

There is Better Pricing on Life Insurance in 2014 A common mistake people make when shopping for the best deal on life insurance is choosing the incorrect face amount.  Many of the top life insurance companies will have a cost-per-thousand price break or “bands” at certain levels.  For example, let’s look at 40 year old male at the Preferred Plus rate class with American General Life (AIG): $200k 20 year term would be $23.04 a month. $250k 20 year term would be $21.29 a month. As you can see, it is actually CHEAPER in this case to get the $250k […]

Post image for What is the Best Way to Shop for Life Insurance with a Major Health Problem or Condition?

If you have or had a major health condition or problem, you may not know where to start in looking to obtain an adequate life insurance policy.  Many of the do-it-yourself quote engines you see on the internet (even the one on this site) will only allow you to select a particular rate class but will typically not offer quotes for major health conditions or problems.  There are just too many health impairments out there, and every situation is different.  What you want to do to ensure you are getting the best rate you qualify for is to talk to […]