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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 […]

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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 […]