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Life Insurance

Best Life Insurance Companies That Payout pay out 2017

Best Life Insurance Companies That Payout in 2017 One of the biggest concerns life insurance buyers have is whether or not their insurance company will payout the full death benefit if they were to suddenly pass away.  The reason you spend your hard earned money each month on life insurance premiums is for it to be there in the event of an unexpected tragedy, you don’t want your family to be left penniless or destitute because your life insurance policy didn’t pay out the claim. Rest Assured with Life Insurance Claims Well the good news is life insurance policies always […]

2017 Top 20 Bucket List Ideas, life insurance

What’s on Your Bucket List in 2017? Today I wanted to share this survey I found.  It’s of seniors 55 years and over in the U.K. on the things they most want to do before they kick the “bucket.”  No matter what your age, this topic is gets you thinking.   Bucket List-Top 20   Conclusion Taking care of your family and making sure they are financially secure was number three on this list but it’s probably even a higher priority than that.   You can easily cross this one off of your bucket list by securing a high quality affordable […]

2013 life insurance survey

Ever Wonder How Much Other People Pay for Life Insurance in 2014? A survey conducted last year by Harris Interactive showed nearly half of those polled pay less than $50 a month for their own (not group work coverage) life insurance policy.  One of the biggest misconceptions about life insurance is that it just costs too much.  For most people this is simply not the case.   For example, a 45-year male can purchase a $250,000 term life policy on a ten-year term for as low as $18 a month.  This would be for the best health class and only $31 […]

2016-8 Best Life Insurance Companies If Have High Cholesterol or You're Taking Cholesterol Medication

The Best Life Insurance Companies for High Cholesterol or for Those On High Cholesterol Medication in 2016 If you’re like most Americans, you’ve had or know someone who has or had high cholesterol at least one time in their lives.  It should come as no surprise that cholesterol medications such as statins are some of the most prescribed drugs in America.  Some of the most well-known drugs you see advertised on TV are statins medications such as Crestor, Lipitor, Zocor among many others. Better Life Insurance Guidelines for Cholesterol in 2016 Just as recent as a few years ago most companies […]

Life Insurance for Parents & Students- College-2013-Death not forgiven, Sallie Mae

The Less Known Importance of Life Insurance for Parents & Students Who are in College or Plan to Attend College If you are a parent or a student around college age, you are probably well aware of the cost of higher education these days.  When you look at the numbers it is just staggering how much a college educations costs in 2013.  According to the College Board, the full cost of a year at a public four-year school has increased an average of 83% and private universities saw a  74% increase, in just the past twelve years alone. What are […]

Sleep Medications Insomnia life insurance underwriting quotes

How Sleep Medications Affect Life Insurance Underwriting Insomnia or sleeplessness is a common sleep disorder in which people have trouble falling asleep/ staying asleep or both.  The end result is poor-quality sleep. Underwriting factors *What medications are being taken for insomnia or the sleep disorder? *Date of diagnosis? *Is the sleep problem related to depression? Common medications for treatment of insomnia or sleep disorder Ambien (zolpidem), Ativan (lorazepam), Lunesta (eszopiclone), Rozerem (ramelteon), Sonata (zaleplon) Silenor (doxepine) Life insurance underwriting with sleep medications If the insomnia is mild and only on one medication than the best health rating class is possible […]

Life Insurance with Blood Clot DVT Phlebitis

Phlebitis is an inflammation of a vein, usually in the legs. When phlebitis is associated with the formation of blood clots (thrombosis), usually in the deep veins of the legs, the condition is called thrombophlebitis. These clots can travel to the lungs, causing pulmonary embolisms that can be fatal. Wikipedia Common Medications: Advil, Medipren, Motrin, Nuprin, Cataflam, Coumadin, Lovenox, Voltaren-XR. Underwriting Questions: •When were you diagnosed with this condition? •Are you on any medications for this condition? •Have you ever been hospitalized for this condition? •When was the date of your last physician fir this condition? •Have you ever been […]

Life Insurance With Attention Deficit Disorder (ADD) & (ADHD)

Get The Best Rate On Life Insurance With Attention Deficit Disorder (ADD) & (ADHD) in 2014   Attention deficit disorder (ADD) is one of the three subtypes if attention-deficit hyperactivity disorder (ADHD).  It  is a condition that refers to one’s inability to control their behaviors or impulses. What kind of rate can I get? Click here and see instantly   Medications   Adderall (generic-amphetamine and dextroamphetamine) Adderall XR (generic-amphetamine and dextroamphetamine) Aventyl (generic-nortiptyline) Pamelor (generic-nortiptyline) Ritalin, Ritalin LA, Ritalin SR (generic-methylphenidate) Strattera (generic-atomoxetine) Tofranil (generic-imipramine) Wellbutrin, Wellbutrin SR, Wellbutrin XL (generic-bupropion Zyban (generic- bupropion) Underwriting factors insurance company may ask […]

Post image for What does the 4506T-EZ Form Have to do With My Life Insurance Application?

The 4506T-EZ Form and My Life Insurance Application Some life insurance companies are now requiring the 4506T-EZ (Short Form Request for Individual Tax Return Transcript) IRS form to be completed as part of the life insurance application.  One company for instance, is requiring all applicants over the age of 26 complete the 4506T-EZ IRS form, while another company is requiring that the form be completed for applicants applying for certain face amounts and or if you are over a certain age and face amount.  While the implementation of the 4506T-EZ may be a new practice in life insurance underwriting, it […]

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 Should You Buy Your Life Insurance at Walmart?

Walmart Life Insurance Review The largest retailer in the world has recently announced they are selling life insurance policies to certain stores in Georgia and South Carolina.  The policies will be handled by MetLife and will consist of one-year prepaid life insurance policies ranging from $10k to $25k depending on age and how much coverage you are seeking. Walmart customers simply purchase a prepaid card at the store and call a toll free number provided by MetLife to activate the life insurance policy. This may be an easy alternative for consumers looking to purchase a small amount of life insurance […]

Post image for Am I Eligible for Life Insurance After a Cerebral or Brain Aneurysm?

Am I Eligible for Life Insurance After a Cerebral or Brain Aneurysm? Yes!  You may be eligible for life insurance after a brain aneurysm if there are no complications or residuals.  I’ve had clients that are healthy but had a brain aneurysm in the past and were approved at a standard rate. A brain or cerebral aneurysm is an abnormal bulge in the wall of an artery in the brain.  The artery balloons out and fills with blood.  The two most common types of treatment include surgical clipping and endovascular coiling. Underwriting factors will likely include: Diagnosis Size of the […]

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 […]

Post image for Lower Rates and Improved Guidelines for Buying Life Insurance with Hypertension 2012-2013

Purchasing Life Insurance While Taking Lisinopril or another High Blood Pressure Medication   Obtaining a great life insurance rate while being treated for hypertension just became easier.  Whether you are currently taking Lisinopril (Prinivil), Amlodipine besylate (Norvasc), a water pill or any other medication for hypertension you still may qualify for the best possible rate class.  Hypertension or (high blood pressure) is one of the most common health concerns I encounter when quoting someone for life insurance.  And Lisinopril (Prinivil) is one of America’s most prescribed medications and a common treatment for high blood pressure.  According to the CDC, as […]

Post image for Will taking Zocor, Crestor or Lipitor Affect My Life Insurance Rate?

Life Insurance on Zocor Great news for people taking a medication to control elevated cholesterol such as Zocor, Crestor or Lipitor.  Many of the top life insurance companies in the market today will not penalize you for taking a statin or non-statin medication used to lower cholesterol.  In most cases whether you are with or without treatment, the insurer is going to look at your readings.  Every company has their own guidelines, so if you know your last reading it would be best to tell your agent upfront so they can put you with the best company for your situation.  […]