Final Expense Insurance: What Is a Guaranteed IssueLife Insurance Plan, and Do You Need One?
Final expense insurance—aka guaranteed issue life insurance—is technically a type of whole life insurance. However, it is much easier to qualify for than other types of whole life insurance, and will tend to pay out an amount between about $2,000-$50,000 depending on the specific plan….Read more
Do I Need Life Insurance? Myths, Facts, and The Top Seven Reasons to Buy
While buying life insurance isn’t exactly a fun topic, approaching it from a positive point of view can make it a lot more pleasant to deal with. Life insurance can be a valuable and versatile tool for helping you ensure the future security of yourself and your loved ones.Read more
Life Insurance With No Medical Exam: Can I Get a Policy Without
Yes, there are a few options for getting life insurance with no medical exam. Some of these options include guaranteed issue life insurance, term life insurance plans that come with no medical exam, or using an alternate form of insurance such as final expense insurance…Read more
Life Insurance and COVID-19
With COVID-19 cases surging and the pandemic still ongoing, it’s natural to wonder about how it might affect life insurance policies. More people have signed up for life insurance since the start of the pandemic, and it has become clearer now more than ever how important it is to keep our families safe, healthy, and financially protected. Here is our guide to the most common questions about life insurance and COVID-19.Read more
Diabetes Life Insurance: How Diabetes Affects Approval Rates and Premiums
For people living with diabetes life insurance can be tricky. Most insurance companies will charge significantly more for policies or may even deny coverage outright. Finding an agency that understands the condition…Read more
Smokers Applying For Life Insurance – A Quitter’s Silver Lining
The data is in, and the research is pretty unequivocal. Smoking significantly shortens your lifespan and negatively impacts virtually every aspect of everyday health. There are exceptions to just about every rule, like the 85-year-old who’s been smoking their entire life and somehow avoided lung…Read more
The First Life Insurance Offering to Reward Well-Managed Diabetics Living a Healthy Lifestyle
Health IQ and Protective Life launched a first-of-its-kind life insurance product today that will provide well-managed diabetics living a healthy lifestyle a more cost effective option for protecting their families, while encouraging them to live long, healthy lives. The new life insurance offering was designed…Read more
Running Isn’t Funny Money: How Exercising Can Keep Your Wallet In Shape Too
Everyone knows that exercise can keep your body fit, but did you know that working out can help keep your wallet in shape, too? Being active can help you live longer and save you money on medical costs too. A recent study following cardiac patients…Read more
Triathletes – Don’t Get A Raw Deal On Life Insurance
Triathletes usually thrive on the challenge of athletic competition and enjoy the psychological benefits—like reducing stress and boosting mood—of swimming, biking, and running outdoors. In addition to these mental health benefits, triathletes also enjoy the well-known cardioprotective and other fitness-related benefits of regular endurance exercise….Read more
How to Ace A Life Insurance Medical Exam as a Runner
We all know running is great for your body and mind, but did you know these benefits can give you a financial advantage to your life insurance rates as well? Most insurance companies will ask for a medical exam before giving you your cheapest rate….Read more
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