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Life insurance credits program for underwriting, better rate

Are you receiving your “Credits” on your life insurance application 2016? Most consumers aren’t aware that certain life insurance companies offer “Credits Programs” to give applicants applying for life insurance the opportunity to qualify for the best underwriting class available. Often times when someone applies for life insurance everything will be good except for one finding.  Whether you are just a little over the build chart for your height, or have elevated blood pressure or cholesterol or one of your parents had heart disease at an early age. This finding will unfortunately put you into a different rating class and […]

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 […]